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American Community Bank & Trust

Woodstock, IL · Cert 35412 · American Cmty Financial Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

48

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

American Community Bank & Trust

Woodstock, IL · Cert 35412 · American Cmty Financial Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.2BAssets
$798.5MLoans
$1.0BDeposits
$120.5MEquity
Loan mix
70%RE $536.3M30%C&I $234.5M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $722.8M29%Noninterest $291.5MQ2 2025Q2 2026

NIM

5.14%Q2 ’245.22%Q2 ’255.29%Q2 ’26+26%+9%

Non-interest income vs. expense

1.79%Q2 ’242.10%Q2 ’252.20%Q2 ’26+14%+4%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.2% share · #49 of 147 inst. · $1.0B of $630.7B

Executive Summary

  • Earnings: ROA of 1.38%, up 67 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.00% of loans (+72 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 10.61%, down 49 bps from a year ago.
  • Funding: loans stand at 78.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+67 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+30 bps YoY

Efficiency Ratio (YTD, annualized)

50.99%-191 bps YoY

Tier 1 Leverage Ratio

10.61%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.94%1.06%1.45%1.38%+67 bps
Return on Equity6.61%8.84%10.06%14.46%13.70%+709 bps
Net Interest Margin3.45%3.45%3.41%3.76%3.74%+30 bps
Efficiency Ratio52.90%52.03%51.99%48.65%50.99%-191 bps
Non-Interest Burden1.58%1.54%1.53%1.55%1.63%+6 bps
Growth
Asset Growth (YoY)-0.78%-1.42%17.62%13.08%12.53%+1,331 bps
Loan Growth (YoY)12.47%10.76%12.57%15.43%8.18%-429 bps
Deposit Growth (YoY)5.03%4.36%19.29%13.96%13.40%+838 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.17%0.00%0.05%1.00%+72 bps
Net Charge-Offs / Loans1.03%0.73%0.68%-0.11%-0.09%-112 bps
Allowance / Loans1.26%1.30%1.17%1.26%1.33%+7 bps
Allowance Coverage of NPLs4.5x7.8xn/a26.3x1.3x-3.2x
Capital
Tier 1 Leverage Ratio11.09%10.73%10.24%10.43%10.61%-49 bps
Total Risk-Based Capital11.09%10.73%10.24%10.43%10.61%-49 bps
Equity / Assets10.70%10.36%9.98%10.05%10.24%-47 bps
Liquidity & Funding
Loans / Deposits82.53%78.82%77.57%77.38%78.73%-380 bps
Liquid Assets / Assets7.67%7.41%8.08%9.52%9.22%+156 bps
CRE / Total Capitaln/a378%378%373%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

American Community Bank & Trust

Woodstock, IL · Cert 35412 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · American Cmty Financial Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.2BAssets
$798.5MLoans
$1.0BDeposits
$120.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 31).
  • Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.37%

Rank 18 of 31

Net Interest Margin

3.74%

Rank 9 of 31

Efficiency Ratio

50.99%

Rank 17 of 31

Equity / Assets

10.24%

Rank 14 of 31

Non-interest income vs. expense

$6.5M$25.4MINCOMEEXPENSE
Unfavorable gap of $18.9M · efficiency ratio beats 48% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 50.99%Peer median 50.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%1.15%1.39%1.64%Beats 42%18 / 31
Return on Equity13.35%11.05%13.35%16.66%Beats 48%16 / 31
Net Interest Margin3.74%3.00%3.28%3.75%Beats 71%9 / 31
Efficiency Ratio50.99%37.25%50.71%61.60%Beats 48%17 / 31
Asset Quality
Nonperforming Loans / Loans1.00%0.18%0.41%1.00%Beats 26%24 / 31
Net Charge-Offs / Loans0.00%0.00%0.04%0.11%Beats 100%4 / 31
Capital
Tier 1 Capital Ratio10.61%10.88%11.50%13.72%Beats 6%29 / 31
Total Risk-Based Capital Ratio10.61%11.53%12.02%14.77%Beats 3%30 / 31
Equity / Assets10.24%8.90%10.15%11.24%Beats 55%14 / 31
Liquidity & Funding
Loans / Deposits78.73%80.56%87.67%94.53%16th pctl26 / 31
Loans / Assets67.81%67.81%73.77%76.85%23rd pctl24 / 31
Brokered Deposits / Depositsn/aNot reported for this institution