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Letter portraitLegal landscapeQuarterYTD

First Robinson Savings Bank, National Association

Robinson, IL · Cert 28105 · First Robinson Financial Corp.

National charter · OCC · 5 branches

Q2 2026

$512.1MAssets
$336.4MLoans
$408.6MDeposits
$40.9MEquity
Loan mix
83%RE $244.2M9%C&I $27.2M8%Consumer $23.0MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $334.9M18%Noninterest $73.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.31%, up 39 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 1.37% of loans (+92 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.74%, down 19 bps from a year ago.
  • Funding: loans stand at 82.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+45 bps YoY

Efficiency Ratio (YTD, annualized)

56.83%-684 bps YoY

Tier 1 Leverage Ratio

8.74%-19 bps YoY

NIM

4.22%Q2 ’244.53%Q2 ’254.82%Q2 ’26+24%+15%

Non-interest income vs. expense

2.27%Q2 ’242.38%Q2 ’252.37%Q2 ’26+9%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.77%0.83%0.92%1.00%1.00%1.26%1.31%+39 bps
Return on Equity11.91%11.79%11.57%12.48%13.44%13.29%16.13%16.69%+422 bps
Net Interest Margin2.47%2.50%2.83%3.07%3.24%3.03%3.45%3.52%+45 bps
Efficiency Ratio70.72%70.10%67.45%63.67%60.58%59.01%62.19%56.83%-684 bps
Non-Interest Burden1.54%1.55%1.71%1.71%1.68%1.51%1.92%1.72%+1 bps
Growth
Asset Growth (YoY)6.12%-3.06%1.99%2.23%1.06%6.95%7.05%8.93%+671 bps
Loan Growth (YoY)0.04%1.27%2.20%9.23%20.26%21.55%21.66%21.58%+1,235 bps
Deposit Growth (YoY)13.60%7.71%2.99%1.46%2.77%5.75%5.79%6.49%+503 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.44%0.47%0.45%0.41%0.53%1.48%1.37%+92 bps
Net Charge-Offs / Loans-0.09%-0.06%0.01%0.02%0.03%0.12%0.03%0.03%+2 bps
Allowance / Loans1.14%1.11%1.11%1.13%1.19%1.16%1.14%1.16%+3 bps
Allowance Coverage of NPLs2.1x2.5x2.3x2.5x2.9x2.2x0.8x0.8x-1.7x
Capital
Tier 1 Leverage Ratio8.50%8.56%8.45%8.93%8.96%8.49%8.41%8.74%-19 bps
Total Risk-Based Capital15.89%15.46%15.39%15.21%14.74%14.36%14.08%14.08%-113 bps
Equity / Assets6.91%7.16%7.26%7.76%7.61%7.90%7.67%7.98%+22 bps
Liquidity & Funding
Loans / Deposits60.82%65.15%65.65%72.12%71.17%74.88%75.51%82.34%+1,022 bps
Liquid Assets / Assets9.52%5.30%7.62%4.68%8.65%4.47%4.24%1.29%-339 bps
CRE / Total Capitaln/an/an/an/a194.95%213%204%n/an/a