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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 $1.6MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $108.6M14%Noninterest $17.3MQ3 2024Q2 2026

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 0.90%, up 3 bps year over year; NIM at 3.84%.
  • 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.

Return on Assets (YTD, annualized)

0.90%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+27 bps YoY

Efficiency Ratio (YTD, annualized)

65.82%-223 bps YoY

Tier 1 Leverage Ratio

9.22%-80 bps YoY

NIM

5.10%Q2 ’245.43%Q2 ’255.65%Q2 ’26+7%+8%

Non-interest income vs. expense

2.21%Q2 ’242.52%Q2 ’252.65%Q2 ’26+22%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.01%0.82%0.87%0.84%0.85%0.77%0.90%+3 bps
Return on Equity8.50%8.41%6.95%7.27%7.12%7.25%6.77%7.91%+65 bps
Net Interest Margin3.32%3.19%3.39%3.56%3.49%3.36%3.79%3.84%+27 bps
Efficiency Ratio62.15%62.33%68.44%68.05%65.88%66.88%66.21%65.82%-223 bps
Non-Interest Burden1.97%1.91%2.26%2.36%2.24%2.20%2.40%2.44%+8 bps
Growth
Asset Growth (YoY)7.64%9.09%4.94%7.98%15.06%10.79%16.88%17.93%+995 bps
Loan Growth (YoY)7.65%3.52%6.48%9.35%11.16%18.29%28.28%25.42%+1,606 bps
Deposit Growth (YoY)7.24%9.55%4.70%8.22%16.34%10.99%13.68%12.10%+388 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.75%0.97%0.00%0.33%0.00%0.00%-97 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans1.23%1.23%1.22%1.15%1.19%1.12%1.12%1.11%-4 bps
Allowance Coverage of NPLsn/an/a1.6x1.2xn/a3.4xn/an/an/a
Capital
Tier 1 Leverage Ratio9.85%9.38%9.67%10.02%9.60%9.40%9.31%9.22%-80 bps
Total Risk-Based Capital9.85%9.38%9.67%10.02%9.60%9.40%9.31%9.22%-80 bps
Equity / Assets12.39%11.77%11.93%12.05%11.43%11.70%11.14%11.16%-89 bps
Liquidity & Funding
Loans / Deposits87.77%84.30%84.16%87.78%83.87%89.84%94.97%98.21%+1,043 bps
Liquid Assets / Assets1.64%4.87%3.10%1.71%5.32%0.02%0.01%0.01%-171 bps
CRE / Total Capitaln/an/an/an/a94.04%114.49%131.53%n/an/a