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Bankchampaign, National Association

Champaign, IL · Cert 22434 · Market Place Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankchampaign, National Association

Champaign, IL · Cert 22434 · Market Place Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$242.8MAssets
$197.2MLoans
$193.3MDeposits
$29.1MEquity
Loan mix
87%RE $171.3M13%C&I $26.3M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $163.7M15%Noninterest $29.6MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.86%Q2 ’255.92%Q2 ’26+11%+3%

Non-interest income vs. expense

3.37%Q2 ’243.37%Q2 ’253.12%Q2 ’26+3%-11%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 2.2% share · #10 of 33 inst. · $0.2B of $8.7B

Executive Summary

  • Earnings: ROA of 1.68%, up 39 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.84%, down 24 bps from a year ago.
  • Funding: loans stand at 102.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.68%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+12 bps YoY

Efficiency Ratio (YTD, annualized)

58.94%-633 bps YoY

Tier 1 Leverage Ratio

11.84%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.37%1.47%1.52%1.68%+39 bps
Return on Equity11.04%11.75%12.67%13.14%14.39%+335 bps
Net Interest Margin4.16%4.08%4.09%4.24%4.28%+12 bps
Efficiency Ratio65.27%64.17%62.65%61.71%58.94%-633 bps
Non-Interest Burden2.36%2.27%2.18%2.23%2.10%-26 bps
Growth
Asset Growth (YoY)6.45%5.82%2.74%7.12%3.81%-264 bps
Loan Growth (YoY)14.05%12.72%9.56%1.47%-3.51%-1,756 bps
Deposit Growth (YoY)6.91%8.68%5.24%9.83%5.74%-117 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.66%1.65%1.59%1.70%1.77%+11 bps
Allowance Coverage of NPLs242.0x429.6x859.5xn/an/an/a
Capital
Tier 1 Leverage Ratio12.08%11.80%12.09%12.07%11.84%-24 bps
Total Risk-Based Capital15.03%14.67%15.14%15.90%15.89%+85 bps
Equity / Assets11.66%11.45%11.63%11.52%11.96%+30 bps
Liquidity & Funding
Loans / Deposits111.79%105.78%106.60%97.71%102.02%-977 bps
Liquid Assets / Assets2.73%3.41%3.44%11.56%8.07%+535 bps
CRE / Total Capitaln/a449%425%404%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankchampaign, National Association

Champaign, IL · Cert 22434 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Market Place Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$242.8MAssets
$197.2MLoans
$193.3MDeposits
$29.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: tier 1 capital ratio trails 42% of banks under $1B in assets operating in a single state (rank 317 of 746).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.74%

Rank 101 of 746

Net Interest Margin

4.28%

Rank 153 of 746

Efficiency Ratio

58.94%

Rank 263 of 746

Equity / Assets

11.96%

Rank 244 of 746

Non-interest income vs. expense

$2.6M$7.9MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 65% of banks under $1B in assets operating in a single state
Bank 58.94%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.74%0.72%1.06%1.45%Beats 86%101 / 746
Return on Equity14.51%6.74%10.51%13.63%Beats 80%146 / 746
Net Interest Margin4.28%3.17%3.68%4.16%Beats 79%153 / 746
Efficiency Ratio58.94%55.74%64.58%75.47%Beats 65%263 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.63%11.55%13.75%17.60%Beats 58%317 / 746
Total Risk-Based Capital Ratio15.89%11.71%14.33%18.43%Beats 62%283 / 746
Equity / Assets11.96%8.90%10.51%13.06%Beats 67%244 / 746
Liquidity & Funding
Loans / Deposits102.02%61.31%78.27%90.78%92nd pctl59 / 746
Loans / Assets81.19%53.60%66.97%76.08%88th pctl91 / 746
Brokered Deposits / Depositsn/aNot reported for this institution