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Letter portraitLegal landscapeQuarterYTD

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