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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 in IL3

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 in IL (n=149 to 151). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

5

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 $2.8MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $530.3M12%Noninterest $73.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.37%-0.19%0.31%0.22%0.12%0.14%0.14%0.21%-2 bps
Return on Equity-8.72%-4.30%6.59%4.44%2.28%2.55%2.23%3.36%-108 bps
Net Interest Margin1.78%1.85%2.08%2.22%2.23%2.25%2.43%2.46%+24 bps
Efficiency Ratio104.49%103.24%101.60%98.20%100.63%99.53%92.57%92.60%-560 bps
Non-Interest Burden1.88%1.92%2.12%2.16%2.24%2.23%2.19%2.22%+6 bps
Growth
Asset Growth (YoY)4.33%-1.34%-2.81%-7.32%-6.66%-6.75%-2.69%3.85%+1,117 bps
Loan Growth (YoY)4.00%0.36%-4.72%-8.94%-13.97%-10.76%-8.55%-0.05%+890 bps
Deposit Growth (YoY)11.48%9.24%8.98%8.78%-0.77%-5.50%-2.98%2.37%-641 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.24%0.26%0.30%0.25%0.47%0.48%0.45%+15 bps
Net Charge-Offs / Loans0.44%0.34%0.00%0.00%0.03%0.02%0.02%0.01%+1 bps
Allowance / Loans1.04%0.92%0.78%0.80%0.83%0.77%0.79%0.71%-9 bps
Allowance Coverage of NPLs4.0x3.8x3.0x2.7x3.3x1.6x1.6x1.6x-1.1x
Capital
Tier 1 Leverage Ratio7.56%7.77%8.03%8.39%8.35%8.40%8.54%8.50%+12 bps
Total Risk-Based Capital11.57%12.02%12.29%13.01%13.55%13.58%13.45%12.77%-24 bps
Equity / Assets4.86%4.50%5.03%5.55%5.72%6.27%5.98%6.08%+53 bps
Liquidity & Funding
Loans / Deposits85.20%83.54%80.18%80.33%73.87%78.89%75.58%78.43%-190 bps
Liquid Assets / Assets1.39%0.99%2.64%1.14%5.72%0.92%4.86%2.55%+141 bps
CRE / Total Capitaln/an/an/an/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 in IL (n=149-151) · 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: nonperforming loans / loans outperforms 58% of banks under $1B in assets in IL (rank 64 of 149).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in IL (rank 146 of 151).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.20%

Rank 144 of 151

Net Interest Margin

2.46%

Rank 145 of 151

Efficiency Ratio

92.61%

Rank 145 of 151

Equity / Assets

6.08%

Rank 146 of 151

Non-interest income vs. expense

$4.9M$21.1MINCOMEEXPENSE
Unfavorable gap of $16.2M · efficiency ratio beats 5% of banks under $1B in assets in IL
Bank 92.61%Peer median 64.9%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.20%0.70%1.03%1.34%Beats 5%144 / 151
Return on Equity3.29%6.74%9.34%12.94%Beats 7%140 / 151
Net Interest Margin2.46%3.02%3.43%3.83%Beats 4%145 / 151
Efficiency Ratio92.61%54.64%64.89%72.50%Beats 5%145 / 151
Asset Quality
Nonperforming Loans / Loans0.45%0.20%0.66%1.77%Beats 58%64 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 54%70 / 149
Capital
Tier 1 Capital Ratio12.09%11.83%14.17%18.66%Beats 29%107 / 151
Total Risk-Based Capital Ratio12.77%12.22%14.54%19.92%Beats 34%100 / 151
Equity / Assets6.08%9.10%10.65%12.40%Beats 3%146 / 151
Liquidity & Funding
Loans / Deposits78.43%54.39%71.02%80.75%69th pctl46 / 149
Loans / Assets66.13%45.91%61.31%68.01%66th pctl52 / 151
Brokered Deposits / Depositsn/aNot reported for this institution