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Prospect Bank

Paris, IL · Cert 3722 · Edgar County Banc Shares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 under $1B in assets operating regionally (n=100). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

6

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

Prospect Bank

Paris, IL · Cert 3722 · Edgar County Banc Shares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$715.6MAssets
$473.2MLoans
$603.4MDeposits
$43.5MEquity
Loan mix
89%RE $371.3M10%C&I $41.6M1%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $530.3M12%Noninterest $73.1MQ2 2025Q2 2026

NIM

4.21%Q2 ’244.47%Q2 ’254.42%Q2 ’26+25%+11%

Non-interest income vs. expense

2.36%Q2 ’242.68%Q2 ’252.89%Q2 ’26+16%+3%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.4% share · #16 of 33 inst. · $0.1B of $8.7B

45.5% Edgar
1.7% Champaign
9.6% Iroquois
1.0% Coles

Executive Summary

  • Earnings: ROA of 0.21%, down 2 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.45% of loans (+15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.50%, up 12 bps from a year ago.
  • Funding: loans stand at 78.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.21%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.46%+24 bps YoY

Efficiency Ratio (YTD, annualized)

92.60%-560 bps YoY

Tier 1 Leverage Ratio

8.50%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.12%0.14%0.14%0.21%-2 bps
Return on Equity4.44%2.28%2.55%2.23%3.36%-108 bps
Net Interest Margin2.22%2.23%2.25%2.43%2.46%+24 bps
Efficiency Ratio98.20%100.63%99.53%92.57%92.60%-560 bps
Non-Interest Burden2.16%2.24%2.23%2.19%2.22%+6 bps
Growth
Asset Growth (YoY)-7.32%-6.66%-6.75%-2.69%3.85%+1,117 bps
Loan Growth (YoY)-8.94%-13.97%-10.76%-8.55%-0.05%+890 bps
Deposit Growth (YoY)8.78%-0.77%-5.50%-2.98%2.37%-641 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.25%0.47%0.48%0.45%+15 bps
Net Charge-Offs / Loans0.00%0.03%0.02%0.02%0.01%+1 bps
Allowance / Loans0.80%0.83%0.77%0.79%0.71%-9 bps
Allowance Coverage of NPLs2.7x3.3x1.6x1.6x1.6x-1.1x
Capital
Tier 1 Leverage Ratio8.39%8.35%8.40%8.54%8.50%+12 bps
Total Risk-Based Capital13.01%13.55%13.58%13.45%12.77%-24 bps
Equity / Assets5.55%5.72%6.27%5.98%6.08%+53 bps
Liquidity & Funding
Loans / Deposits80.33%73.87%78.89%75.58%78.43%-190 bps
Liquid Assets / Assets1.14%5.72%0.92%4.86%2.55%+141 bps
CRE / Total Capitaln/a432%438%444%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

Prospect Bank

Paris, IL · Cert 3722 · Peer group: banks under $1B in assets operating regionally (n=100) · Edgar County Banc Shares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$715.6MAssets
$473.2MLoans
$603.4MDeposits
$43.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 53% of banks under $1B in assets operating regionally (rank 48 of 100).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets operating regionally (rank 98 of 100).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.20%

Rank 94 of 100

Net Interest Margin

2.46%

Rank 98 of 100

Efficiency Ratio

92.61%

Rank 95 of 100

Equity / Assets

6.08%

Rank 97 of 100

Non-interest income vs. expense

$4.9M$21.1MINCOMEEXPENSE
Unfavorable gap of $16.2M · efficiency ratio beats 6% of banks under $1B in assets operating regionally
Bank 92.61%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.20%0.82%1.19%1.50%Beats 6%94 / 100
Return on Equity3.29%7.96%11.91%14.16%Beats 11%89 / 100
Net Interest Margin2.46%3.43%3.80%4.17%Beats 2%98 / 100
Efficiency Ratio92.61%55.88%62.41%72.90%Beats 6%95 / 100
Asset Quality
Nonperforming Loans / Loans0.45%0.19%0.47%1.06%Beats 52%49 / 100
Net Charge-Offs / Loans0.01%0.00%0.02%0.06%Beats 53%48 / 100
Capital
Tier 1 Capital Ratio12.09%10.31%12.02%14.75%Beats 51%49 / 100
Total Risk-Based Capital Ratio12.77%10.50%12.71%15.64%Beats 52%48 / 100
Equity / Assets6.08%8.89%10.14%11.36%Beats 3%97 / 100
Liquidity & Funding
Loans / Deposits78.43%73.97%83.99%92.79%38th pctl62 / 100
Loans / Assets66.13%62.33%70.97%78.76%33rd pctl67 / 100
Brokered Deposits / Depositsn/aNot reported for this institution