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Prairie State Bank & Trust

Springfield, IL · Cert 27362 · American Cntl Finl Group Inc.

State charter, non-member · FDIC · 19 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=149 to 151). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

62

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

Prairie State Bank & Trust

Springfield, IL · Cert 27362 · American Cntl Finl Group Inc.

State charter, non-member · FDIC · 19 branches

Q2 2026

$840.1MAssets
$552.8MLoans
$730.2MDeposits
$101.3MEquity
Loan mix
87%RE $460.5M12%C&I $62.4M1%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $565.2M23%Noninterest $165.0MQ2 2025Q2 2026

NIM

3.85%Q2 ’244.34%Q2 ’254.83%Q2 ’26+11%+15%

Non-interest income vs. expense

2.56%Q2 ’242.61%Q2 ’252.59%Q2 ’26+2%0%

Market Position · Springfield, IL · 2026 SOD (annual) · 1.7% share · #13 of 26 inst. · $0.2B of $9.8B

1.7% Sangamon
5.6% Macon
4.6% Coles
7.6% Macoupin

Executive Summary

  • Earnings: ROA of 1.32%, up 42 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.52% of loans (+22 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.39%, up 6 bps from a year ago.
  • Funding: loans stand at 75.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+52 bps YoY

Efficiency Ratio (YTD, annualized)

60.18%-856 bps YoY

Tier 1 Leverage Ratio

12.39%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.06%1.11%1.21%1.32%+42 bps
Return on Equity7.38%8.73%9.10%9.81%10.79%+341 bps
Net Interest Margin3.37%3.44%3.50%3.81%3.89%+52 bps
Efficiency Ratio68.73%65.22%63.46%62.12%60.18%-856 bps
Non-Interest Burden2.19%2.08%2.05%2.22%2.18%-1 bps
Growth
Asset Growth (YoY)-0.12%2.87%4.71%1.47%4.79%+490 bps
Loan Growth (YoY)8.87%7.14%7.46%2.74%0.01%-886 bps
Deposit Growth (YoY)-0.17%3.86%4.95%1.05%4.53%+470 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.30%0.25%0.26%0.52%+22 bps
Net Charge-Offs / Loans0.05%0.04%0.08%0.09%0.04%-1 bps
Allowance / Loans1.02%1.01%1.03%1.05%1.05%+4 bps
Allowance Coverage of NPLs3.4x3.4x4.2x4.0x2.0x-1.4x
Capital
Tier 1 Leverage Ratio12.33%12.14%12.21%12.31%12.39%+6 bps
Total Risk-Based Capital12.33%12.14%12.21%12.31%12.39%+6 bps
Equity / Assets12.08%12.16%12.36%12.36%12.06%-2 bps
Liquidity & Funding
Loans / Deposits79.13%79.29%80.34%78.73%75.71%-342 bps
Liquid Assets / Assets27.67%27.44%26.87%28.81%31.13%+346 bps
CRE / Total Capitaln/a262%261%254%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

Prairie State Bank & Trust

Springfield, IL · Cert 27362 · Peer group: banks under $1B in assets in IL (n=149-151) · American Cntl Finl Group Inc.

State charter, non-member · FDIC · 19 branches

Q2 2026

$840.1MAssets
$552.8MLoans
$730.2MDeposits
$101.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets in IL (rank 32 of 151).
  • Widest gap: total risk-based capital ratio trails 72% of banks under $1B in assets in IL (rank 109 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.29%

Rank 45 of 151

Net Interest Margin

3.89%

Rank 32 of 151

Efficiency Ratio

60.18%

Rank 58 of 151

Equity / Assets

12.06%

Rank 40 of 151

Non-interest income vs. expense

$3.4M$21.2MINCOMEEXPENSE
Unfavorable gap of $17.8M · efficiency ratio beats 62% of banks under $1B in assets in IL
Bank 60.18%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.70%1.03%1.34%Beats 70%45 / 151
Return on Equity10.67%6.74%9.34%12.94%Beats 62%57 / 151
Net Interest Margin3.89%3.02%3.43%3.83%Beats 79%32 / 151
Efficiency Ratio60.18%54.64%64.89%72.50%Beats 62%58 / 151
Asset Quality
Nonperforming Loans / Loans0.52%0.20%0.66%1.77%Beats 56%67 / 149
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 38%93 / 149
Capital
Tier 1 Capital Ratio12.39%11.83%14.17%18.66%Beats 35%98 / 151
Total Risk-Based Capital Ratio12.39%12.22%14.54%19.92%Beats 28%109 / 151
Equity / Assets12.06%9.10%10.65%12.40%Beats 74%40 / 151
Liquidity & Funding
Loans / Deposits75.71%54.39%71.02%80.75%62nd pctl57 / 149
Loans / Assets65.80%45.91%61.31%68.01%65th pctl53 / 151
Brokered Deposits / Depositsn/aNot reported for this institution