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First National Bank of Assumption, The

Assumption, IL · Cert 3600

National charter · 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 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=147 to 149). 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

68

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

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 2026-10-10

First National Bank of Assumption, The

Assumption, IL · Cert 3600

National charter · OCC · 1 branch

Q2 2026

$25.2MAssets
$6.7MLoans
$22.7MDeposits
$2.4MEquity
Loan mix
70%RE $4.0M7%C&I $0.4M23%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $15.8M31%Noninterest $7.0MQ2 2025Q2 2026

NIM

3.64%Q2 ’243.94%Q2 ’253.98%Q2 ’26+2%+2%

Non-interest income vs. expense

2.04%Q2 ’242.16%Q2 ’252.23%Q2 ’26+6%+3%

Executive Summary

  • Earnings: ROA of 1.06%, up 15 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 1.24% of loans (-9 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 11.14%, up 41 bps from a year ago.
  • Funding: loans stand at 29.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+5 bps YoY

Efficiency Ratio (YTD, annualized)

65.38%+108 bps YoY

Tier 1 Leverage Ratio

11.14%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.93%0.86%0.89%1.06%+15 bps
Return on Equity10.27%10.45%9.34%9.04%10.83%+56 bps
Net Interest Margin3.30%3.18%3.46%3.23%3.35%+5 bps
Efficiency Ratio64.30%63.91%66.43%73.10%65.38%+108 bps
Non-Interest Burden2.10%2.01%2.26%2.34%2.17%+7 bps
Growth
Asset Growth (YoY)5.88%0.84%1.94%-3.28%-0.03%-591 bps
Loan Growth (YoY)12.26%1.11%5.33%3.61%3.85%-841 bps
Deposit Growth (YoY)5.46%0.33%0.68%-4.50%-0.73%-619 bps
Asset Quality
Nonperforming Loans / Loans1.34%1.70%1.23%1.22%1.24%-9 bps
Net Charge-Offs / Loans0.00%0.06%0.20%-0.12%-0.06%-6 bps
Allowance / Loans1.46%1.41%1.37%1.42%1.39%-7 bps
Allowance Coverage of NPLs1.1x0.8x1.1x1.2x1.1x0.0x
Capital
Tier 1 Leverage Ratio10.73%10.12%11.21%11.06%11.14%+41 bps
Total Risk-Based Capital10.73%10.12%11.21%11.06%11.14%+41 bps
Equity / Assets8.87%9.35%10.13%9.65%9.55%+68 bps
Liquidity & Funding
Loans / Deposits28.11%29.11%31.91%30.18%29.41%+130 bps
Liquid Assets / Assets41.28%42.27%45.68%45.07%41.29%+1 bps
CRE / Total Capitaln/a23.46%26.65%26.30%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 2026-10-10

First National Bank of Assumption, The

Assumption, IL · Cert 3600 · Peer group: banks under $1B in assets in IL (n=147-149)

National charter · OCC · 1 branch

Q2 2026

$25.2MAssets
$6.7MLoans
$22.7MDeposits
$2.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 28 of 147).
  • Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets in IL (rank 128 of 149).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.02%

Rank 80 of 149

Net Interest Margin

3.35%

Rank 85 of 149

Efficiency Ratio

65.38%

Rank 83 of 149

Equity / Assets

9.55%

Rank 101 of 149

Non-interest income vs. expense

$14K$544KINCOMEEXPENSE
Unfavorable gap of $530K · efficiency ratio beats 45% of banks under $1B in assets in IL
Bank 65.38%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.74%1.04%1.34%Beats 46%80 / 149
Return on Equity10.65%6.82%9.34%12.94%Beats 61%58 / 149
Net Interest Margin3.35%3.04%3.43%3.83%Beats 43%85 / 149
Efficiency Ratio65.38%54.64%64.55%71.82%Beats 45%83 / 149
Asset Quality
Nonperforming Loans / Loans1.24%0.19%0.65%1.77%Beats 35%97 / 147
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%28 / 147
Capital
Tier 1 Capital Ratio11.14%11.87%14.21%18.66%Beats 17%124 / 149
Total Risk-Based Capital Ratio11.14%12.22%14.72%19.92%Beats 14%128 / 149
Equity / Assets9.55%9.24%10.65%12.40%Beats 32%101 / 149
Liquidity & Funding
Loans / Deposits29.41%53.80%70.99%80.75%0th pctl147 / 147
Loans / Assets26.55%46.03%61.30%67.68%2nd pctl146 / 149
Brokered Deposits / Depositsn/aNot reported for this institution