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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

$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

3.97%Q2 ’244.48%Q2 ’254.96%Q2 ’26+15%+13%

Non-interest income vs. expense

2.54%Q2 ’242.55%Q2 ’252.59%Q2 ’26+1%+2%

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 1.44%, up 40 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.52% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.44%+40 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+48 bps YoY

Efficiency Ratio (quarter, annualized)

58.34%-598 bps YoY

Tier 1 Leverage Ratio

12.39%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.38%1.24%1.21%1.44%+40 bps
Return on Equity8.64%11.41%10.12%9.81%11.80%+316 bps
Net Interest Margin3.53%3.72%3.84%3.81%4.01%+48 bps
Efficiency Ratio64.33%59.17%58.75%62.12%58.34%-598 bps
Non-Interest Burden2.12%1.96%2.05%2.22%2.16%+4 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 / Loans0.10%0.01%0.20%0.09%0.00%-10 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