PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Arenzville, The

Arenzville, IL · Cert 3599 · Arenzville Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 IL (n=149 to 151). 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

67

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

First National Bank of Arenzville, The

Arenzville, IL · Cert 3599 · Arenzville Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$158.7MAssets
$113.3MLoans
$143.7MDeposits
$13.4MEquity
Loan mix
80%RE $75.6M11%C&I $10.6M9%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $118.2M18%Noninterest $25.5MQ2 2025Q2 2026

NIM

4.67%Q2 ’245.05%Q2 ’255.26%Q2 ’26+11%+5%

Non-interest income vs. expense

2.40%Q2 ’242.37%Q2 ’252.59%Q2 ’260%+7%

Executive Summary

  • Earnings: ROA of 1.47%, up 11 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.05% of loans (+3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.83%, up 9 bps from a year ago.
  • Funding: loans stand at 78.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+19 bps YoY

Efficiency Ratio (YTD, annualized)

57.87%+131 bps YoY

Tier 1 Leverage Ratio

8.83%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.37%1.19%1.45%1.47%+11 bps
Return on Equity17.73%17.35%14.80%17.50%17.67%-6 bps
Net Interest Margin3.66%3.77%3.72%3.78%3.85%+19 bps
Efficiency Ratio56.56%57.77%64.07%56.92%57.87%+131 bps
Non-Interest Burden1.84%1.95%2.18%1.90%1.97%+12 bps
Growth
Asset Growth (YoY)5.96%6.25%3.27%7.87%9.31%+335 bps
Loan Growth (YoY)7.79%9.37%9.11%8.84%6.59%-120 bps
Deposit Growth (YoY)4.80%5.41%1.71%7.15%8.90%+410 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.14%0.05%0.05%0.05%+3 bps
Net Charge-Offs / Loans0.07%0.04%0.03%0.02%0.02%-5 bps
Allowance / Loans1.00%0.99%1.01%1.01%1.00%0 bps
Allowance Coverage of NPLs42.4x7.4x19.0x19.6x20.3x-22.1x
Capital
Tier 1 Leverage Ratio8.74%9.13%8.97%8.56%8.83%+9 bps
Total Risk-Based Capital11.15%11.48%11.56%11.30%11.49%+34 bps
Equity / Assets8.16%8.69%8.59%8.01%8.42%+26 bps
Liquidity & Funding
Loans / Deposits80.57%82.54%79.53%77.24%78.86%-171 bps
Liquid Assets / Assets4.95%3.91%7.53%10.17%8.54%+360 bps
CRE / Total Capitaln/a167.08%167.37%170.06%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

First National Bank of Arenzville, The

Arenzville, IL · Cert 3599 · Peer group: banks under $1B in assets in IL (n=149-151) · Arenzville Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$158.7MAssets
$113.3MLoans
$143.7MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 94% of banks under $1B in assets in IL (rank 9 of 151).
  • Widest gap: tier 1 capital ratio trails 90% of banks under $1B in assets in IL (rank 136 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.45%

Rank 26 of 151

Net Interest Margin

3.85%

Rank 36 of 151

Efficiency Ratio

57.87%

Rank 51 of 151

Equity / Assets

8.42%

Rank 123 of 151

Non-interest income vs. expense

$1.0M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 67% of banks under $1B in assets in IL
Bank 57.87%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.70%1.03%1.34%Beats 83%26 / 151
Return on Equity17.20%6.74%9.34%12.94%Beats 94%9 / 151
Net Interest Margin3.85%3.02%3.43%3.83%Beats 76%36 / 151
Efficiency Ratio57.87%54.64%64.89%72.50%Beats 67%51 / 151
Asset Quality
Nonperforming Loans / Loans0.05%0.20%0.66%1.77%Beats 87%20 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 62%58 / 149
Capital
Tier 1 Capital Ratio10.63%11.83%14.17%18.66%Beats 10%136 / 151
Total Risk-Based Capital Ratio11.49%12.22%14.54%19.92%Beats 16%127 / 151
Equity / Assets8.42%9.10%10.65%12.40%Beats 19%123 / 151
Liquidity & Funding
Loans / Deposits78.86%54.39%71.02%80.75%70th pctl45 / 149
Loans / Assets71.40%45.91%61.31%68.01%84th pctl24 / 151
Brokered Deposits / Depositsn/aNot reported for this institution