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Country Trust Bank

Bloomington, IL · Cert 35602

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=594 to 629). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

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

Country Trust Bank

Bloomington, IL · Cert 35602

State savings bank · OCC · 1 branch

Q2 2026

$42.3MAssets
$0KLoans
$798KDeposits
$36.2MEquity
Deposit mix
100%Interest-bearing $798K0%Noninterest $0KQ2 2025Q2 2026

NIM

3.44%Q2 ’242.30%Q2 ’252.34%Q2 ’26-33%+2%

Non-interest income vs. expense

180.22%Q2 ’24128.98%Q2 ’25150.90%Q2 ’26-52%+27%

Market Position · Bloomington, IL · 2026 SOD (annual) · 0.0% share · #26 of 26 inst. · $0.0B of $4.6B

Executive Summary

  • Earnings: ROA of 24.72%, down 879 bps year over year; NIM at 2.34%.
  • Capital: tier 1 leverage ratio of 78.65%, up 540 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

24.72%-879 bps YoY

Net Interest Margin (YTD, annualized)

2.34%+4 bps YoY

Efficiency Ratio (YTD, annualized)

83.92%+693 bps YoY

Tier 1 Leverage Ratio

78.65%+540 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets33.50%25.67%22.85%19.97%24.72%-879 bps
Return on Equity40.13%30.86%27.46%24.10%29.47%-1,065 bps
Net Interest Margin2.30%2.34%2.39%2.26%2.34%+4 bps
Efficiency Ratio76.99%81.31%83.77%87.18%83.92%+693 bps
Non-Interest Burden-36.25%-30.41%-27.09%-21.80%-26.58%+967 bps
Growth
Asset Growth (YoY)12.22%6.69%9.30%1.53%7.86%-435 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)4.63%4.44%4.26%4.08%3.91%-73 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio73.26%73.12%73.68%76.19%78.65%+540 bps
Total Risk-Based Capital98.69%104.65%107.33%105.82%115.01%+1,633 bps
Equity / Assets82.38%82.31%83.22%82.57%85.65%+327 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Country Trust Bank

Bloomington, IL · Cert 35602 · Peer group: banks under $1B in assets (n=594-629)

State savings bank · OCC · 1 branch

Q2 2026

$42.3MAssets
$0KLoans
$798KDeposits
$36.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets (rank 10 of 629).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 582 of 629).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

23.44%

Rank 10 of 629

Net Interest Margin

2.34%

Rank 582 of 629

Efficiency Ratio

83.92%

Rank 511 of 629

Equity / Assets

85.65%

Rank 22 of 629

Non-interest income vs. expense

$82.5M$70.2MINCOMEEXPENSE
Favorable gap of $12.4M · efficiency ratio beats 19% of banks under $1B in assets
Bank 83.92%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets23.44%0.60%1.01%1.45%Beats 98%10 / 629
Return on Equity27.37%5.38%9.30%13.28%Beats 97%18 / 629
Net Interest Margin2.34%3.03%3.54%4.05%Beats 7%582 / 629
Efficiency Ratio83.92%58.35%67.79%79.08%Beats 19%511 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio115.01%11.24%13.84%18.77%Beats 95%29 / 629
Total Risk-Based Capital Ratio115.01%11.58%14.43%19.66%Beats 95%29 / 629
Equity / Assets85.65%9.09%10.65%13.80%Beats 97%22 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution