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First Federal Savings and Loan Association of Central Illinois, S.B.

Shelbyville, IL · Cert 29645

SI · FDIC · 4 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

28

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

First Federal Savings and Loan Association of Central Illinois, S.B.

Shelbyville, IL · Cert 29645

SI · FDIC · 4 branches

Q2 2026

$235.0MAssets
$168.1MLoans
$201.5MDeposits
$25.9MEquity
Loan mix
82%RE $133.4M11%C&I $17.9M7%Consumer $11.2MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $180.6M10%Noninterest $21.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.96%, down 28 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.70% of loans (+23 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.73%, up 1 bps from a year ago.
  • Funding: loans stand at 83.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.96%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+25 bps YoY

Efficiency Ratio (YTD, annualized)

69.73%+797 bps YoY

Tier 1 Leverage Ratio

10.73%+1 bps YoY

NIM

5.49%Q2 ’245.69%Q2 ’255.80%Q2 ’26+4%+7%

Non-interest income vs. expense

2.92%Q2 ’243.08%Q2 ’253.31%Q2 ’26-3%+39%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.06%1.14%1.24%1.08%1.14%1.38%0.96%-28 bps
Return on Equity11.95%10.55%11.22%11.93%10.26%10.69%12.41%8.67%-326 bps
Net Interest Margin3.51%3.51%3.62%3.73%3.82%3.88%4.07%3.98%+25 bps
Efficiency Ratio63.24%65.88%61.72%61.76%62.75%63.82%61.34%69.73%+797 bps
Non-Interest Burden1.89%1.99%1.88%1.87%1.98%2.07%2.02%2.60%+73 bps
Growth
Asset Growth (YoY)5.52%6.82%7.48%4.22%8.71%5.75%5.42%10.86%+663 bps
Loan Growth (YoY)2.74%1.33%-0.73%3.39%10.77%11.03%11.98%9.90%+651 bps
Deposit Growth (YoY)7.19%8.64%8.10%4.23%8.19%3.07%5.02%11.83%+760 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.48%0.53%0.48%0.44%0.59%0.85%0.70%+23 bps
Net Charge-Offs / Loans-0.11%-0.08%0.03%0.02%0.01%0.01%0.00%0.06%+4 bps
Allowance / Loans1.22%1.20%1.26%1.23%1.20%1.17%1.20%1.19%-4 bps
Allowance Coverage of NPLs2.4x2.5x2.4x2.6x2.7x2.0x1.4x1.7x-0.9x
Capital
Tier 1 Leverage Ratio10.91%10.90%10.97%10.72%10.74%10.89%11.09%10.73%+1 bps
Total Risk-Based Capital15.62%15.49%16.02%14.98%14.60%14.73%15.23%15.16%+18 bps
Equity / Assets10.56%10.07%10.31%10.85%10.81%11.05%11.20%11.02%+17 bps
Liquidity & Funding
Loans / Deposits83.76%80.71%79.51%84.84%85.76%86.94%84.78%83.38%-146 bps
Liquid Assets / Assets5.05%5.98%7.95%2.65%5.42%5.72%7.09%4.72%+207 bps
CRE / Total Capitaln/an/an/an/a283%282%264%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

First Federal Savings and Loan Association of Central Illinois, S.B.

Shelbyville, IL · Cert 29645 · Peer group: banks under $1B in assets in IL (n=149-151)

SI · FDIC · 4 branches

Q2 2026

$235.0MAssets
$168.1MLoans
$201.5MDeposits
$25.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets in IL (rank 28 of 151).
  • Widest gap: efficiency ratio trails 72% of banks under $1B in assets in IL (rank 110 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.94%

Rank 90 of 151

Net Interest Margin

3.98%

Rank 28 of 151

Efficiency Ratio

71.12%

Rank 110 of 151

Equity / Assets

11.02%

Rank 60 of 151

Non-interest income vs. expense

$1.7M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 28% of banks under $1B in assets in IL
Bank 71.12%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.94%0.70%1.03%1.34%Beats 40%90 / 151
Return on Equity8.50%6.74%9.34%12.94%Beats 42%88 / 151
Net Interest Margin3.98%3.02%3.43%3.83%Beats 81%28 / 151
Efficiency Ratio71.12%54.64%64.89%72.50%Beats 28%110 / 151
Asset Quality
Nonperforming Loans / Loans0.70%0.20%0.66%1.77%Beats 48%78 / 149
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 38%94 / 149
Capital
Tier 1 Capital Ratio14.02%11.83%14.17%18.66%Beats 49%77 / 151
Total Risk-Based Capital Ratio15.16%12.22%14.54%19.92%Beats 54%69 / 151
Equity / Assets11.02%9.10%10.65%12.40%Beats 60%60 / 151
Liquidity & Funding
Loans / Deposits83.38%54.39%71.02%80.75%80th pctl30 / 149
Loans / Assets71.52%45.91%61.31%68.01%85th pctl23 / 151
Brokered Deposits / Depositsn/aNot reported for this institution