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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

$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