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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