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Letter portraitLegal landscapeQuarterYTD

First Trust Bank of Illinois

Kankakee, IL · Cert 34778 · First Trust Financial Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$406.3MAssets
$144.9MLoans
$324.4MDeposits
$34.6MEquity
Loan mix
81%RE $109.6M18%C&I $24.4M1%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $258.7M20%Noninterest $65.6MQ3 2024Q2 2026

Market Position · Kankakee, IL · 2026 SOD (annual) · 10.0% share · #5 of 13 inst. · $0.3B of $2.8B

10.0% Kankakee
3.5% Iroquois

Executive Summary

  • Earnings: ROA of 1.05%, up 28 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.71% of loans (-98 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.26%, down 2 bps from a year ago.
  • Funding: loans stand at 44.68% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+30 bps YoY

Efficiency Ratio (YTD, annualized)

52.53%-1,068 bps YoY

Tier 1 Leverage Ratio

10.26%-2 bps YoY

NIM

3.75%Q2 ’243.81%Q2 ’253.88%Q2 ’26-1%+13%

Non-interest income vs. expense

1.72%Q2 ’241.62%Q2 ’251.50%Q2 ’26-6%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.64%0.66%0.76%0.81%0.82%1.09%1.05%+28 bps
Return on Equity8.59%8.11%8.54%9.75%10.06%9.97%12.13%11.87%+212 bps
Net Interest Margin2.43%2.34%2.27%2.34%2.45%2.43%2.69%2.63%+30 bps
Efficiency Ratio67.38%69.00%67.43%63.22%61.42%61.02%51.81%52.53%-1,068 bps
Non-Interest Burden1.54%1.53%1.45%1.38%1.40%1.39%1.27%1.26%-12 bps
Growth
Asset Growth (YoY)3.52%-0.28%3.49%4.75%6.15%4.21%2.02%7.75%+300 bps
Loan Growth (YoY)1.35%-2.18%-1.90%0.43%-1.37%0.62%-4.45%-5.05%-548 bps
Deposit Growth (YoY)0.06%-2.25%0.46%1.53%-0.03%1.87%1.87%6.62%+509 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.98%0.97%1.69%1.84%1.76%0.95%0.71%-98 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.13%1.14%1.14%1.12%1.14%1.12%1.18%1.16%+4 bps
Allowance Coverage of NPLs1.3x1.2x1.2x0.7x0.6x0.6x1.2x1.6x+1.0x
Capital
Tier 1 Leverage Ratio10.97%10.70%10.18%10.28%10.63%10.45%10.49%10.26%-2 bps
Total Risk-Based Capital16.55%15.76%14.30%10.28%10.63%15.65%16.77%15.80%+552 bps
Equity / Assets8.69%7.67%7.80%7.94%8.60%9.03%8.87%8.52%+58 bps
Liquidity & Funding
Loans / Deposits50.56%49.99%47.96%50.17%49.89%49.38%44.99%44.68%-549 bps
Liquid Assets / Assets4.56%5.62%7.37%5.21%7.08%5.32%8.19%8.40%+320 bps
CRE / Total Capitaln/an/an/an/a150.19%147.46%143.03%n/an/a