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Letter portraitLegal landscapeQuarterYTD

First Nations Bank

Chicago, IL · Cert 22282 · Illinois State Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$536.6MAssets
$419.3MLoans
$440.6MDeposits
$75.1MEquity
Loan mix
93%RE $387.9M7%C&I $28.0M1%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $368.0M16%Noninterest $72.6MQ2 2025Q2 2026

NIM

5.56%Q2 ’245.53%Q2 ’255.58%Q2 ’26+14%+11%

Non-interest income vs. expense

1.65%Q2 ’241.61%Q2 ’251.73%Q2 ’26-3%+7%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #73 of 147 inst. · $0.4B of $630.7B

0.1% Cook
0.1% DuPage

Executive Summary

  • Earnings: ROA of 1.11%, up 13 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.12% of loans (+12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.11%, up 155 bps from a year ago.
  • Funding: loans stand at 95.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+33 bps YoY

Efficiency Ratio (YTD, annualized)

52.57%-200 bps YoY

Tier 1 Leverage Ratio

14.11%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.06%1.12%1.09%1.11%+13 bps
Return on Equity7.86%8.30%8.66%8.07%8.16%+31 bps
Net Interest Margin2.91%2.98%3.08%3.19%3.24%+33 bps
Efficiency Ratio54.57%52.83%50.98%53.60%52.57%-200 bps
Non-Interest Burden1.57%1.55%1.54%1.69%1.68%+11 bps
Growth
Asset Growth (YoY)3.12%0.45%1.29%0.27%-2.38%-551 bps
Loan Growth (YoY)4.02%3.02%-0.30%-5.60%-7.05%-1,108 bps
Deposit Growth (YoY)5.02%0.08%-1.20%-1.64%-3.89%-892 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.12%0.12%0.12%+12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.73%1.77%1.78%1.80%1.79%+7 bps
Allowance Coverage of NPLsn/an/a15.0x14.5x14.5xn/a
Capital
Tier 1 Leverage Ratio12.56%12.77%13.31%13.58%14.11%+155 bps
Total Risk-Based Capital16.86%17.69%18.11%19.41%19.77%+291 bps
Equity / Assets12.58%13.45%13.39%13.54%13.99%+142 bps
Liquidity & Funding
Loans / Deposits98.40%100.85%99.10%94.77%95.16%-324 bps
Liquid Assets / Assets13.94%12.18%12.40%15.61%16.47%+253 bps
CRE / Total Capitaln/a531%514%481%n/an/a