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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

3.69%Q2 ’243.95%Q2 ’254.45%Q2 ’26+9%+32%

Non-interest income vs. expense

2.48%Q2 ’242.37%Q2 ’252.66%Q2 ’26-1%+14%

Executive Summary

  • Earnings: ROA of -0.09%, up 32 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.88% of loans (+67 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

-0.09%+32 bps YoY

Net Interest Margin (quarter, annualized)

2.47%+61 bps YoY

Efficiency Ratio (quarter, annualized)

95.73%-2,329 bps YoY

Tier 1 Leverage Ratio

7.79%+77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.41%-0.11%-0.17%1.08%-0.09%+32 bps
Return on Equity-11.38%-2.91%-8.67%212%-10.08%+130 bps
Net Interest Margin1.87%2.15%2.30%2.30%2.47%+61 bps
Efficiency Ratio119.02%94.84%107.75%56.18%95.73%-2,329 bps
Non-Interest Burden2.26%2.05%2.51%0.82%2.57%+31 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 / Loans0.27%0.01%0.03%0.19%0.04%-23 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