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Letter portraitLegal landscapeQuarterYTD

FCB Banks

Collinsville, IL · Cert 33005 · First Co. Bcorp Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$2.6BAssets
$2.0BLoans
$2.3BDeposits
$214.8MEquity
Loan mix
93%RE $1.9B4%C&I $0.1B4%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $2.0B13%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.61%Q2 ’245.19%Q2 ’255.37%Q2 ’26+17%+14%

Non-interest income vs. expense

1.90%Q2 ’241.85%Q2 ’251.93%Q2 ’26-4%+6%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 1.6% share · #14 of 111 inst. · $2.3B of $141.7B

19.7% Madison
6.5% St. Clair
18.1% Clinton
0.4% St. Louis

Executive Summary

  • Earnings: ROA of 1.42%, up 24 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.76% of loans (+34 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.45%, up 35 bps from a year ago.
  • Funding: loans stand at 90.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+39 bps YoY

Efficiency Ratio (YTD, annualized)

50.98%-355 bps YoY

Tier 1 Leverage Ratio

8.45%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.25%1.29%1.38%1.42%+24 bps
Return on Equity15.15%16.00%16.30%16.86%17.40%+225 bps
Net Interest Margin2.83%2.88%2.95%3.21%3.23%+39 bps
Efficiency Ratio54.52%53.10%52.52%52.04%50.98%-355 bps
Non-Interest Burden1.29%1.28%1.30%1.40%1.37%+8 bps
Growth
Asset Growth (YoY)9.03%8.23%6.24%3.85%1.61%-743 bps
Loan Growth (YoY)5.18%2.98%5.89%5.56%5.59%+41 bps
Deposit Growth (YoY)9.64%13.71%11.12%7.25%5.54%-410 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.39%0.46%0.80%0.76%+34 bps
Net Charge-Offs / Loans0.02%0.01%0.02%-0.02%0.01%-1 bps
Allowance / Loans1.06%1.07%1.05%1.06%1.06%0 bps
Allowance Coverage of NPLs2.6x2.7x2.3x1.3x1.4x-1.2x
Capital
Tier 1 Leverage Ratio8.10%8.03%7.98%8.49%8.45%+35 bps
Total Risk-Based Capital13.38%13.59%13.48%13.58%13.27%-12 bps
Equity / Assets7.72%7.92%8.14%8.19%8.13%+41 bps
Liquidity & Funding
Loans / Deposits90.28%86.96%91.22%91.37%90.31%+4 bps
Liquid Assets / Assets8.59%4.64%1.52%2.65%3.01%-558 bps
CRE / Total Capitaln/a372%383%383%n/an/a