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Flora Bank & Trust

Flora, IL · Cert 22598 · Clay Bancshares Inc.

State charter, Fed member · FED · 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 in IL3

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 in IL (n=146 to 148). 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

55

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

Flora Bank & Trust

Flora, IL · Cert 22598 · Clay Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$126.0MAssets
$62.3MLoans
$117.2MDeposits
$8.1MEquity
Loan mix
55%RE $33.8M21%C&I $12.8M24%Consumer $14.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $103.2M12%Noninterest $14.0MQ2 2025Q2 2026

NIM

4.11%Q2 ’244.37%Q2 ’254.39%Q2 ’26+29%+24%

Non-interest income vs. expense

2.20%Q2 ’242.12%Q2 ’252.00%Q2 ’26-2%-9%

Executive Summary

  • Earnings: ROA of 0.92%, up 49 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.23% of loans (+6 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.94%, down 22 bps from a year ago.
  • Funding: loans stand at 53.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+49 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+50 bps YoY

Efficiency Ratio (YTD, annualized)

62.57%-1,650 bps YoY

Tier 1 Leverage Ratio

8.94%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.49%0.50%0.84%0.92%+49 bps
Return on Equity7.95%8.71%8.60%13.11%14.38%+643 bps
Net Interest Margin2.13%2.15%2.25%2.65%2.63%+50 bps
Efficiency Ratio79.08%76.82%75.93%64.83%62.57%-1,650 bps
Non-Interest Burden1.57%1.52%1.57%1.52%1.44%-14 bps
Growth
Asset Growth (YoY)1.73%-0.73%1.80%8.12%7.11%+538 bps
Loan Growth (YoY)2.46%-3.18%1.21%8.78%7.24%+478 bps
Deposit Growth (YoY)1.52%-1.42%0.44%7.28%5.97%+446 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.23%0.16%0.22%0.23%+6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.04%+5 bps
Allowance / Loans0.39%0.40%0.37%0.37%0.37%-1 bps
Allowance Coverage of NPLs2.3x1.7x2.3x1.7x1.6x-0.6x
Capital
Tier 1 Leverage Ratio9.15%9.18%9.25%8.96%8.94%-22 bps
Total Risk-Based Capital15.42%15.71%15.11%14.79%15.58%+16 bps
Equity / Assets5.46%6.30%6.54%6.28%6.40%+94 bps
Liquidity & Funding
Loans / Deposits52.55%53.04%56.64%55.25%53.18%+63 bps
Liquid Assets / Assets12.49%12.26%10.02%12.05%14.63%+214 bps
CRE / Total Capitaln/a82.05%87.93%98.26%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

Flora Bank & Trust

Flora, IL · Cert 22598 · Peer group: banks under $1B in assets in IL (n=146-148) · Clay Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$126.0MAssets
$62.3MLoans
$117.2MDeposits
$8.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks under $1B in assets in IL (rank 23 of 148).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in IL (rank 143 of 148).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.90%

Rank 92 of 148

Net Interest Margin

2.63%

Rank 135 of 148

Efficiency Ratio

62.57%

Rank 68 of 148

Equity / Assets

6.40%

Rank 143 of 148

Non-interest income vs. expense

$0.7M$2.5MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 55% of banks under $1B in assets in IL
Bank 62.57%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.74%1.04%1.35%Beats 38%92 / 148
Return on Equity14.12%6.82%9.34%12.94%Beats 84%23 / 148
Net Interest Margin2.63%3.04%3.45%3.85%Beats 9%135 / 148
Efficiency Ratio62.57%54.64%64.64%72.22%Beats 55%68 / 148
Asset Quality
Nonperforming Loans / Loans0.23%0.20%0.66%1.77%Beats 71%43 / 146
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 43%85 / 146
Capital
Tier 1 Capital Ratio15.25%11.87%14.21%19.02%Beats 57%63 / 148
Total Risk-Based Capital Ratio15.58%12.22%14.72%19.93%Beats 55%66 / 148
Equity / Assets6.40%9.29%10.67%12.50%Beats 3%143 / 148
Liquidity & Funding
Loans / Deposits53.18%54.39%71.02%80.75%23rd pctl113 / 146
Loans / Assets49.48%46.03%61.31%68.01%31st pctl102 / 148
Brokered Deposits / Depositsn/aNot reported for this institution