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First Security Bank

Mackinaw, IL · Cert 3698 · First Bcorp of Taylorville Inc.

State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)

Q2 2026

$151.1MAssets
$123.7MLoans
$126.0MDeposits
$16.9MEquity
Loan mix
84%RE $80.0M15%C&I $13.9M2%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $108.6M14%Noninterest $17.3MQ2 2025Q2 2026

NIM

5.23%Q2 ’245.55%Q2 ’255.84%Q2 ’26+10%+8%

Non-interest income vs. expense

2.16%Q2 ’242.60%Q2 ’252.71%Q2 ’26+19%+5%

Market Position · Peoria, IL · 2026 SOD (annual) · 0.9% share · #19 of 35 inst. · $0.1B of $10.0B

2.3% Tazewell
0.8% McLean

Executive Summary

  • Earnings: ROA of 1.01%, up 10 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.00% of loans (-97 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.22%, down 80 bps from a year ago.
  • Funding: loans stand at 98.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.01%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.02%+31 bps YoY

Efficiency Ratio (quarter, annualized)

65.45%-223 bps YoY

Tier 1 Leverage Ratio

9.22%-80 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.81%0.87%0.77%1.01%+10 bps
Return on Equity7.57%6.88%7.54%6.77%9.05%+148 bps
Net Interest Margin3.71%3.80%3.63%3.79%4.02%+31 bps
Efficiency Ratio67.67%62.04%69.58%66.21%65.45%-223 bps
Non-Interest Burden2.44%2.29%2.47%2.40%2.57%+13 bps
Growth
Asset Growth (YoY)7.98%15.06%10.79%16.88%17.93%+995 bps
Loan Growth (YoY)9.35%11.16%18.29%28.28%25.42%+1,606 bps
Deposit Growth (YoY)8.22%16.34%10.99%13.68%12.10%+388 bps
Asset Quality
Nonperforming Loans / Loans0.97%0.00%0.33%0.00%0.00%-97 bps
Net Charge-Offs / Loans0.04%0.00%0.00%0.00%0.00%-4 bps
Allowance / Loans1.15%1.19%1.12%1.12%1.11%-4 bps
Allowance Coverage of NPLs1.2xn/a3.4xn/an/an/a
Capital
Tier 1 Leverage Ratio10.02%9.60%9.40%9.31%9.22%-80 bps
Total Risk-Based Capital10.02%9.60%9.40%9.31%9.22%-80 bps
Equity / Assets12.05%11.43%11.70%11.14%11.16%-89 bps
Liquidity & Funding
Loans / Deposits87.78%83.87%89.84%94.97%98.21%+1,043 bps
Liquid Assets / Assets1.71%5.32%0.02%0.01%0.01%-171 bps
CRE / Total Capitaln/a94.04%114.49%131.53%n/an/a