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Letter portraitLegal landscapeQuarterYTD

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 $8.7MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $118.2M18%Noninterest $25.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%0.97%1.20%1.36%1.37%1.19%1.45%1.47%+11 bps
Return on Equity16.14%13.44%16.23%17.73%17.35%14.80%17.50%17.67%-6 bps
Net Interest Margin3.41%3.28%3.48%3.66%3.77%3.72%3.78%3.85%+19 bps
Efficiency Ratio61.85%67.76%60.65%56.56%57.77%64.07%56.92%57.87%+131 bps
Non-Interest Burden1.87%2.03%1.92%1.84%1.95%2.18%1.90%1.97%+12 bps
Growth
Asset Growth (YoY)2.43%8.97%4.54%5.96%6.25%3.27%7.87%9.31%+335 bps
Loan Growth (YoY)3.65%3.51%6.30%7.79%9.37%9.11%8.84%6.59%-120 bps
Deposit Growth (YoY)1.06%8.15%3.43%4.80%5.41%1.71%7.15%8.90%+410 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.06%0.02%0.14%0.05%0.05%0.05%+3 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.07%0.04%0.03%0.02%0.02%-5 bps
Allowance / Loans1.01%1.04%1.03%1.00%0.99%1.01%1.01%1.00%0 bps
Allowance Coverage of NPLs25.2x26.6x16.4x42.4x7.4x19.0x19.6x20.3x-22.1x
Capital
Tier 1 Leverage Ratio8.97%8.54%8.26%8.74%9.13%8.97%8.56%8.83%+9 bps
Total Risk-Based Capital11.31%11.26%10.97%11.15%11.48%11.56%11.30%11.49%+34 bps
Equity / Assets8.03%7.34%7.49%8.16%8.69%8.59%8.01%8.42%+26 bps
Liquidity & Funding
Loans / Deposits79.56%74.13%76.04%80.57%82.54%79.53%77.24%78.86%-171 bps
Liquid Assets / Assets5.04%9.90%8.30%4.95%3.91%7.53%10.17%8.54%+360 bps
CRE / Total Capitaln/an/an/an/a167.08%167.37%170.06%n/an/a