PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Lacon

Lacon, IL · Cert 3688 · First Lacon Corp.

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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

39

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 of Lacon

Lacon, IL · Cert 3688 · First Lacon Corp.

National charter · OCC · 1 branch

Q2 2026

$103.7MAssets
$66.4MLoans
$92.7MDeposits
$10.8MEquity
Loan mix
72%RE $39.8M19%C&I $10.5M9%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $77.4M16%Noninterest $15.2MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.51%Q2 ’254.79%Q2 ’26+6%+11%

Non-interest income vs. expense

2.40%Q2 ’242.42%Q2 ’252.72%Q2 ’26+1%+12%

Market Position · Peoria, IL · 2026 SOD (annual) · 0.9% share · #16 of 35 inst. · $0.1B of $10.0B

Executive Summary

  • Earnings: ROA of 0.93%, up 12 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.14% of loans (-159 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.78%, up 347 bps from a year ago.
  • Funding: loans stand at 71.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+38 bps YoY

Efficiency Ratio (YTD, annualized)

69.21%+100 bps YoY

Tier 1 Leverage Ratio

11.78%+347 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.75%0.79%0.67%0.93%+12 bps
Return on Equity11.26%10.22%10.58%8.20%10.27%-99 bps
Net Interest Margin3.50%3.56%3.71%3.95%3.88%+38 bps
Efficiency Ratio68.21%69.90%69.42%77.15%69.21%+100 bps
Non-Interest Burden2.37%2.47%2.56%3.04%2.67%+29 bps
Growth
Asset Growth (YoY)6.22%5.87%-4.41%2.73%-2.87%-909 bps
Loan Growth (YoY)8.00%12.24%12.49%10.57%2.56%-545 bps
Deposit Growth (YoY)6.63%5.67%-6.05%2.32%-6.55%-1,317 bps
Asset Quality
Nonperforming Loans / Loans1.72%1.56%0.00%0.07%0.14%-159 bps
Net Charge-Offs / Loans0.12%0.12%0.10%0.05%0.06%-6 bps
Allowance / Loans0.67%0.70%0.73%0.72%0.72%+5 bps
Allowance Coverage of NPLs0.4x0.4xn/a9.6x5.3x+4.9x
Capital
Tier 1 Leverage Ratio8.31%8.22%8.72%8.71%11.78%+347 bps
Total Risk-Based Capital11.92%11.89%12.72%12.29%16.68%+476 bps
Equity / Assets6.95%7.61%8.29%8.18%10.46%+351 bps
Liquidity & Funding
Loans / Deposits65.29%72.93%76.03%79.90%71.65%+636 bps
Liquid Assets / Assets20.84%11.51%9.22%7.60%16.95%-388 bps
CRE / Total Capitaln/a37.89%36.37%36.92%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 of Lacon

Lacon, IL · Cert 3688 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Lacon Corp.

National charter · OCC · 1 branch

Q2 2026

$103.7MAssets
$66.4MLoans
$92.7MDeposits
$10.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets operating in a single state (rank 214 of 743).
  • Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets operating in a single state (rank 520 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.87%

Rank 476 of 746

Net Interest Margin

3.88%

Rank 299 of 746

Efficiency Ratio

69.21%

Rank 454 of 746

Equity / Assets

10.46%

Rank 379 of 746

Non-interest income vs. expense

$0.1M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 39% of banks under $1B in assets operating in a single state
Bank 69.21%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.72%1.06%1.45%Beats 36%476 / 746
Return on Equity8.34%6.74%10.51%13.63%Beats 36%479 / 746
Net Interest Margin3.88%3.17%3.68%4.16%Beats 60%299 / 746
Efficiency Ratio69.21%55.74%64.58%75.47%Beats 39%454 / 746
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.42%1.07%Beats 71%214 / 743
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 30%520 / 743
Capital
Tier 1 Capital Ratio16.01%11.55%13.75%17.60%Beats 68%238 / 746
Total Risk-Based Capital Ratio16.68%11.71%14.33%18.43%Beats 68%242 / 746
Equity / Assets10.46%8.90%10.51%13.06%Beats 49%379 / 746
Liquidity & Funding
Loans / Deposits71.65%61.31%78.27%90.78%38th pctl465 / 746
Loans / Assets64.00%53.60%66.97%76.08%42nd pctl429 / 746
Brokered Deposits / Depositsn/aNot reported for this institution