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First National Bank and Trust Company

Clinton, IL · Cert 3639 · TS Banking Group Inc.

National charter · OCC · 4 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

17

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 and Trust Company

Clinton, IL · Cert 3639 · TS Banking Group Inc.

National charter · OCC · 2 affiliate banks · 4 branches (13 in holding)

Q2 2026

$388.1MAssets
$157.0MLoans
$364.9MDeposits
$4.0MEquity
Loan mix
84%RE $110.9M14%C&I $18.6M2%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $327.0M10%Noninterest $37.9MQ2 2025Q2 2026

NIM

3.77%Q2 ’243.96%Q2 ’254.35%Q2 ’26+2%+24%

Non-interest income vs. expense

2.22%Q2 ’242.26%Q2 ’252.52%Q2 ’26+10%-21%

Executive Summary

  • Earnings: ROA of 0.49%, up 74 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.88% of loans (+67 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 7.79%, up 77 bps from a year ago.
  • Funding: loans stand at 43.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%+74 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+46 bps YoY

Efficiency Ratio (YTD, annualized)

71.94%-3,795 bps YoY

Tier 1 Leverage Ratio

7.79%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.24%-0.20%-0.19%1.08%0.49%+74 bps
Return on Equity-6.73%-5.44%-6.45%212%72.37%+7,909 bps
Net Interest Margin1.92%2.01%2.16%2.30%2.38%+46 bps
Efficiency Ratio109.89%104.32%105.24%56.18%71.94%-3,795 bps
Non-Interest Burden2.13%2.12%2.30%0.82%1.69%-44 bps
Growth
Asset Growth (YoY)4.50%-1.51%-3.98%-6.03%-6.45%-1,095 bps
Loan Growth (YoY)0.17%17.52%19.54%19.17%28.23%+2,806 bps
Deposit Growth (YoY)1.46%-3.46%-2.96%-6.08%-5.37%-683 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.92%0.12%0.98%0.88%+67 bps
Net Charge-Offs / Loans0.15%0.09%0.07%0.19%0.11%-4 bps
Allowance / Loans0.74%0.79%0.83%0.76%0.72%-2 bps
Allowance Coverage of NPLs3.6x0.9x6.8x0.8x0.8x-2.8x
Capital
Tier 1 Leverage Ratio7.02%7.15%7.44%7.78%7.79%+77 bps
Total Risk-Based Capital14.18%12.99%12.67%12.99%12.58%-160 bps
Equity / Assets3.55%3.69%0.24%0.79%1.02%-253 bps
Liquidity & Funding
Loans / Deposits31.75%38.39%38.55%40.32%43.02%+1,127 bps
Liquid Assets / Assets43.58%44.58%42.06%42.10%41.66%-192 bps
CRE / Total Capitaln/a117.21%108.46%168.77%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 and Trust Company

Clinton, IL · Cert 3639 · Peer group: banks under $1B in assets in IL (n=149-151) · TS Banking Group Inc.

National charter · OCC · 2 affiliate banks · 4 branches (13 in holding)

Q2 2026

$388.1MAssets
$157.0MLoans
$364.9MDeposits
$4.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets in IL (rank 1 of 151).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in IL (rank 151 of 151).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.49%

Rank 129 of 151

Net Interest Margin

2.38%

Rank 146 of 151

Efficiency Ratio

79.46%

Rank 127 of 151

Equity / Assets

1.02%

Rank 151 of 151

Non-interest income vs. expense

$3.1M$9.5MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 17% of banks under $1B in assets in IL
Bank 79.46%Peer median 64.9%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.49%0.70%1.03%1.34%Beats 15%129 / 151
Return on Equity48.08%6.74%9.34%12.94%Beats 99%1 / 151
Net Interest Margin2.38%3.02%3.43%3.83%Beats 3%146 / 151
Efficiency Ratio79.46%54.64%64.89%72.50%Beats 17%127 / 151
Asset Quality
Nonperforming Loans / Loans0.88%0.20%0.66%1.77%Beats 43%86 / 149
Net Charge-Offs / Loans0.06%0.00%0.02%0.07%Beats 26%111 / 149
Capital
Tier 1 Capital Ratio12.10%11.83%14.17%18.66%Beats 30%106 / 151
Total Risk-Based Capital Ratio12.58%12.22%14.54%19.92%Beats 31%104 / 151
Equity / Assets1.02%9.10%10.65%12.40%Beats 0%151 / 151
Liquidity & Funding
Loans / Deposits43.02%54.39%71.02%80.75%8th pctl137 / 149
Loans / Assets40.45%45.91%61.31%68.01%11th pctl134 / 151
Brokered Deposits / Depositsn/aNot reported for this institution