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1st Equity Bank

Skokie, IL · Cert 34393 · First Equity Corp.

State charter, non-member · FDIC · 1 branch

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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

58

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

1st Equity Bank

Skokie, IL · Cert 34393 · First Equity Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$130.0MAssets
$98.3MLoans
$87.7MDeposits
$21.6MEquity
Loan mix
92%RE $83.0M8%C&I $7.2M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $80.7M8%Noninterest $7.0MQ2 2025Q2 2026

NIM

6.99%Q2 ’245.84%Q2 ’255.64%Q2 ’26-15%+7%

Non-interest income vs. expense

3.31%Q2 ’242.48%Q2 ’252.80%Q2 ’26-21%+34%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #122 of 147 inst. · $0.1B of $630.7B

Executive Summary

  • Earnings: ROA of 1.09%, down 25 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (-94 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.46%, down 12 bps from a year ago.
  • Funding: loans stand at 112.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+25 bps YoY

Efficiency Ratio (YTD, annualized)

66.65%+749 bps YoY

Tier 1 Leverage Ratio

16.46%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.39%1.28%1.28%1.09%-25 bps
Return on Equity7.87%8.20%7.60%7.69%6.53%-134 bps
Net Interest Margin3.41%3.85%3.78%3.65%3.65%+25 bps
Efficiency Ratio59.16%61.34%63.60%63.29%66.65%+749 bps
Non-Interest Burden1.66%2.06%2.14%2.00%2.22%+56 bps
Growth
Asset Growth (YoY)0.90%4.94%2.70%3.60%5.19%+429 bps
Loan Growth (YoY)-3.70%0.55%2.31%4.74%4.66%+836 bps
Deposit Growth (YoY)-4.26%-1.50%-3.49%-4.24%1.97%+623 bps
Asset Quality
Nonperforming Loans / Loans0.94%0.37%0.37%0.00%0.00%-94 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.58%1.57%1.56%1.65%1.51%-7 bps
Allowance Coverage of NPLs1.7x4.3x4.3xn/an/an/a
Capital
Tier 1 Leverage Ratio16.58%16.45%15.92%16.22%16.46%-12 bps
Total Risk-Based Capital22.93%22.77%21.97%24.02%22.48%-45 bps
Equity / Assets16.96%16.78%16.52%16.91%16.58%-38 bps
Liquidity & Funding
Loans / Deposits109.25%107.31%114.43%107.78%112.14%+289 bps
Liquid Assets / Assets17.89%18.55%17.63%21.66%17.78%-10 bps
CRE / Total Capitaln/a278%301%272%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

1st Equity Bank

Skokie, IL · Cert 34393 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · First Equity Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$130.0MAssets
$98.3MLoans
$87.7MDeposits
$21.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: return on equity trails 54% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 57).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.07%

Rank 25 of 57

Net Interest Margin

3.65%

Rank 28 of 57

Efficiency Ratio

66.65%

Rank 25 of 57

Equity / Assets

16.58%

Rank 9 of 57

Non-interest income vs. expense

$0.7M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 58% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 66.65%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.51%0.84%1.19%Beats 56%25 / 57
Return on Equity6.43%3.13%7.76%11.40%Beats 46%31 / 57
Net Interest Margin3.65%3.16%3.63%4.08%Beats 51%28 / 57
Efficiency Ratio66.65%59.57%69.70%81.06%Beats 58%25 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio21.22%12.24%16.06%19.69%Beats 75%14 / 57
Total Risk-Based Capital Ratio22.48%12.54%16.50%20.95%Beats 77%13 / 57
Equity / Assets16.58%9.37%11.56%15.00%Beats 84%9 / 57
Liquidity & Funding
Loans / Deposits112.14%66.29%85.59%95.16%89th pctl6 / 57
Loans / Assets75.62%57.07%71.07%78.13%63rd pctl21 / 57
Brokered Deposits / Depositsn/aNot reported for this institution