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Community Bank of Elmhurst

Elmhurst, IL · Cert 33805 · Community Bancshares Elmhurst

State charter, Fed member · FED · 2 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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

37

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

Community Bank of Elmhurst

Elmhurst, IL · Cert 33805 · Community Bancshares Elmhurst

State charter, Fed member · FED · 2 branches

Q2 2026

$194.5MAssets
$127.5MLoans
$176.9MDeposits
$11.7MEquity
Loan mix
85%RE $109.6M14%C&I $18.6M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $128.5M27%Noninterest $48.4MQ2 2025Q2 2026

NIM

4.64%Q2 ’244.78%Q2 ’255.10%Q2 ’26-1%+9%

Non-interest income vs. expense

3.13%Q2 ’242.99%Q2 ’253.02%Q2 ’26-4%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #99 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 0.53%, up 15 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.02% of loans (-2 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.94%, up 8 bps from a year ago.
  • Funding: loans stand at 72.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+31 bps YoY

Efficiency Ratio (YTD, annualized)

78.76%-617 bps YoY

Tier 1 Leverage Ratio

9.94%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.38%0.42%0.58%0.53%+15 bps
Return on Equity8.27%7.96%8.48%10.10%9.02%+76 bps
Net Interest Margin3.37%3.40%3.33%3.69%3.68%+31 bps
Efficiency Ratio84.93%84.57%83.74%77.72%78.76%-617 bps
Non-Interest Burden2.84%2.85%2.77%2.83%2.87%+3 bps
Growth
Asset Growth (YoY)7.26%5.89%7.92%2.42%4.09%-317 bps
Loan Growth (YoY)12.10%10.28%7.54%9.21%9.88%-223 bps
Deposit Growth (YoY)16.55%14.63%10.94%1.04%0.03%-1,652 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.00%0.05%0.05%0.02%-2 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%0.09%+10 bps
Allowance / Loans1.76%1.75%1.66%1.64%1.69%-7 bps
Allowance Coverage of NPLs40.1xn/a31.8x34.2x86.0x+45.9x
Capital
Tier 1 Leverage Ratio9.87%9.93%9.67%9.64%9.94%+8 bps
Total Risk-Based Capital17.13%15.52%16.46%15.70%16.50%-63 bps
Equity / Assets5.14%5.56%5.68%5.80%6.04%+90 bps
Liquidity & Funding
Loans / Deposits65.61%66.73%66.24%70.18%72.06%+646 bps
Liquid Assets / Assets0.00%0.00%3.51%0.94%0.43%+43 bps
CRE / Total Capitaln/a323%334%356%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

Community Bank of Elmhurst

Elmhurst, IL · Cert 33805 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Community Bancshares Elmhurst

State charter, Fed member · FED · 2 branches

Q2 2026

$194.5MAssets
$127.5MLoans
$176.9MDeposits
$11.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 10 of 56).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 56 of 57).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.53%

Rank 40 of 57

Net Interest Margin

3.68%

Rank 27 of 57

Efficiency Ratio

78.76%

Rank 37 of 57

Equity / Assets

6.04%

Rank 56 of 57

Non-interest income vs. expense

$0.3M$5.9MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 37% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 78.76%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.53%0.51%0.84%1.19%Beats 30%40 / 57
Return on Equity8.83%3.13%7.76%11.40%Beats 60%23 / 57
Net Interest Margin3.68%3.16%3.63%4.08%Beats 53%27 / 57
Efficiency Ratio78.76%59.57%69.70%81.06%Beats 37%37 / 57
Asset Quality
Nonperforming Loans / Loans0.02%0.06%0.34%1.78%Beats 84%10 / 56
Net Charge-Offs / Loans0.05%n/a0.00%0.01%Beats 16%48 / 56
Capital
Tier 1 Capital Ratio15.24%12.24%16.06%19.69%Beats 47%30 / 57
Total Risk-Based Capital Ratio16.50%12.54%16.50%20.95%Beats 49%29 / 57
Equity / Assets6.04%9.37%11.56%15.00%Beats 2%56 / 57
Liquidity & Funding
Loans / Deposits72.06%66.29%85.59%95.16%28th pctl41 / 57
Loans / Assets65.54%57.07%71.07%78.13%35th pctl37 / 57
Brokered Deposits / Depositsn/aNot reported for this institution