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American Commercial Bank & Trust, National Association

Ottawa, IL · Cert 3719 · First Ottawa Bancshares Inc.

National charter · OCC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

78

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

American Commercial Bank & Trust, National Association

Ottawa, IL · Cert 3719 · First Ottawa Bancshares Inc.

National charter · OCC · 11 branches

Q2 2026

$2.1BAssets
$1.8BLoans
$1.8BDeposits
$188.9MEquity
Loan mix
72%RE $1.2B28%C&I $0.5B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $1.4B24%Noninterest $0.4BQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #60 of 147 inst. · $0.7B of $630.7B

28.6% La Salle
0.1% Cook
0.5% DuPage
2.5% Grundy

Executive Summary

  • Earnings: ROA of 1.34%, down 1 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.29% of loans (-28 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.34%, up 21 bps from a year ago.
  • Funding: loans stand at 95.22% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.34%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+34 bps YoY

Efficiency Ratio (YTD, annualized)

50.85%-15 bps YoY

Tier 1 Leverage Ratio

9.34%+21 bps YoY

NIM

5.96%Q2 ’245.99%Q2 ’256.14%Q2 ’26+6%+10%

Non-interest income vs. expense

2.02%Q2 ’242.05%Q2 ’252.08%Q2 ’26-1%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.30%1.34%1.35%1.46%1.46%1.23%1.34%-1 bps
Return on Equity14.16%15.09%15.38%15.48%16.70%16.68%13.90%14.97%-52 bps
Net Interest Margin3.39%3.43%3.59%3.57%3.53%3.54%3.83%3.91%+34 bps
Efficiency Ratio50.42%50.01%51.52%51.00%48.66%48.20%50.70%50.85%-15 bps
Non-Interest Burden1.50%1.49%1.64%1.59%1.45%1.45%1.90%1.89%+30 bps
Growth
Asset Growth (YoY)14.82%15.40%14.12%13.68%16.29%18.40%15.37%11.96%-172 bps
Loan Growth (YoY)15.38%16.08%14.07%14.30%14.51%20.06%16.80%13.08%-121 bps
Deposit Growth (YoY)18.99%22.32%14.49%13.96%18.01%15.33%17.64%12.42%-153 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.55%0.65%0.57%0.54%0.38%0.10%0.29%-28 bps
Net Charge-Offs / Loans0.16%0.14%0.02%0.13%0.10%0.13%0.00%0.02%-12 bps
Allowance / Loans1.61%1.53%1.55%1.46%1.49%1.40%1.47%1.49%+3 bps
Allowance Coverage of NPLs2.8x2.8x2.4x2.5x2.8x3.7x14.6x5.2x+2.6x
Capital
Tier 1 Leverage Ratio8.81%9.06%9.13%9.12%9.04%9.08%9.10%9.34%+21 bps
Total Risk-Based Capital11.07%11.00%11.23%11.17%11.41%11.25%11.70%9.34%-183 bps
Equity / Assets8.67%8.60%8.81%8.74%8.77%8.76%8.93%9.13%+39 bps
Liquidity & Funding
Loans / Deposits94.38%95.69%95.25%94.67%91.59%99.61%94.57%95.22%+56 bps
Liquid Assets / Assets1.98%1.39%2.12%2.31%4.35%1.32%1.63%1.35%-96 bps
CRE / Total Capitaln/an/an/an/a564%563%548%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

American Commercial Bank & Trust, National Association

Ottawa, IL · Cert 3719 · Peer group: banks $1B-$10B in assets (n=322-328) · First Ottawa Bancshares Inc.

National charter · OCC · 11 branches

Q2 2026

$2.1BAssets
$1.8BLoans
$1.8BDeposits
$188.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks $1B-$10B in assets (rank 71 of 328).
  • Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets (rank 325 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.32%

Rank 128 of 328

Net Interest Margin

3.91%

Rank 71 of 328

Efficiency Ratio

50.85%

Rank 73 of 328

Equity / Assets

9.13%

Rank 247 of 328

Non-interest income vs. expense

$3.9M$42.7MINCOMEEXPENSE
Unfavorable gap of $38.8M · efficiency ratio beats 78% of banks $1B-$10B in assets
Bank 50.85%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.32%0.91%1.22%1.52%Beats 61%128 / 328
Return on Equity14.49%8.43%11.45%14.43%Beats 76%79 / 328
Net Interest Margin3.91%3.03%3.45%3.83%Beats 78%71 / 328
Efficiency Ratio50.85%51.61%59.56%67.53%Beats 78%73 / 328
Asset Quality
Nonperforming Loans / Loans0.29%0.24%0.51%1.03%Beats 69%100 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 71%95 / 322
Capital
Tier 1 Capital Ratio9.34%11.75%13.15%15.47%Beats 1%324 / 328
Total Risk-Based Capital Ratio9.34%12.63%14.15%16.46%Beats 1%325 / 328
Equity / Assets9.13%9.15%10.33%12.01%Beats 25%247 / 328
Liquidity & Funding
Loans / Deposits95.22%76.63%87.92%95.36%74th pctl82 / 323
Loans / Assets84.85%65.18%74.15%79.98%90th pctl32 / 328
Brokered Deposits / Depositsn/aNot reported for this institution