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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 $5.0MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $77.4M16%Noninterest $15.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.87%0.67%0.81%0.75%0.79%0.67%0.93%+12 bps
Return on Equity12.68%12.87%9.19%11.26%10.22%10.58%8.20%10.27%-99 bps
Net Interest Margin3.19%3.46%3.47%3.50%3.56%3.71%3.95%3.88%+38 bps
Efficiency Ratio69.38%68.31%75.80%68.21%69.90%69.42%77.15%69.21%+100 bps
Non-Interest Burden2.20%2.34%2.62%2.37%2.47%2.56%3.04%2.67%+29 bps
Growth
Asset Growth (YoY)8.54%23.37%6.35%6.22%5.87%-4.41%2.73%-2.87%-909 bps
Loan Growth (YoY)10.79%8.94%4.25%8.00%12.24%12.49%10.57%2.56%-545 bps
Deposit Growth (YoY)7.63%26.08%7.28%6.63%5.67%-6.05%2.32%-6.55%-1,317 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.56%0.56%1.72%1.56%0.00%0.07%0.14%-159 bps
Net Charge-Offs / Loans0.05%0.07%0.18%0.12%0.12%0.10%0.05%0.06%-6 bps
Allowance / Loans0.70%0.72%0.65%0.67%0.70%0.73%0.72%0.72%+5 bps
Allowance Coverage of NPLs1.1x1.3x1.2x0.4x0.4xn/a9.6x5.3x+4.9x
Capital
Tier 1 Leverage Ratio7.95%8.54%8.41%8.31%8.22%8.72%8.71%11.78%+347 bps
Total Risk-Based Capital12.93%12.90%12.84%11.92%11.89%12.72%12.29%16.68%+476 bps
Equity / Assets7.47%6.86%7.83%6.95%7.61%8.29%8.18%10.46%+351 bps
Liquidity & Funding
Loans / Deposits68.66%63.49%73.94%65.29%72.93%76.03%79.90%71.65%+636 bps
Liquid Assets / Assets9.94%15.00%6.32%20.84%11.51%9.22%7.60%16.95%-388 bps
CRE / Total Capitaln/an/an/an/a37.89%36.37%36.92%n/an/a