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Letter portraitLegal landscapeQuarterYTD

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