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First Community Bank of Moultrie County

Sullivan, IL · Cert 3745 · Sullivan Bancshares Employee Svg&Retirement Plan

State charter, non-member · FDIC · 3 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

46

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

First Community Bank of Moultrie County

Sullivan, IL · Cert 3745 · Sullivan Bancshares Employee Svg&Retirement Plan

State charter, non-member · FDIC · 3 branches

Q2 2026

$119.7MAssets
$53.4MLoans
$109.7MDeposits
$9.0MEquity
Loan mix
82%RE $35.8M9%C&I $4.0M9%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $87.6M20%Noninterest $22.0MQ2 2025Q2 2026

NIM

3.38%Q2 ’243.64%Q2 ’253.92%Q2 ’26+7%+10%

Non-interest income vs. expense

2.22%Q2 ’242.37%Q2 ’252.38%Q2 ’26+4%+8%

Executive Summary

  • Earnings: ROA of 0.98%, up 11 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.10% of loans (-6 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.13%, down 3 bps from a year ago.
  • Funding: loans stand at 48.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+28 bps YoY

Efficiency Ratio (YTD, annualized)

65.77%-267 bps YoY

Tier 1 Leverage Ratio

9.13%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.89%0.91%0.98%0.98%+11 bps
Return on Equity14.04%13.86%13.75%13.66%13.45%-58 bps
Net Interest Margin2.88%2.85%2.93%3.13%3.16%+28 bps
Efficiency Ratio68.44%68.20%68.01%65.18%65.77%-267 bps
Non-Interest Burden1.78%1.77%1.82%1.87%1.92%+14 bps
Growth
Asset Growth (YoY)-1.04%6.12%8.28%7.00%7.47%+852 bps
Loan Growth (YoY)3.56%4.97%3.57%8.74%6.35%+279 bps
Deposit Growth (YoY)-3.27%5.17%6.51%5.66%6.73%+1,001 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.07%0.04%0.00%0.10%-6 bps
Net Charge-Offs / Loans-0.01%0.01%0.01%0.04%0.02%+3 bps
Allowance / Loans1.75%1.68%1.63%1.64%1.57%-18 bps
Allowance Coverage of NPLs10.9x23.6x45.6x837.0x15.2x+4.3x
Capital
Tier 1 Leverage Ratio9.16%8.88%8.99%9.01%9.13%-3 bps
Total Risk-Based Capital19.92%19.34%19.60%20.77%20.32%+40 bps
Equity / Assets6.91%6.91%7.23%7.16%7.54%+63 bps
Liquidity & Funding
Loans / Deposits48.82%47.09%47.93%44.92%48.65%-17 bps
Liquid Assets / Assets14.03%19.40%18.49%21.61%16.41%+237 bps
CRE / Total Capitaln/a81.23%82.09%93.54%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

First Community Bank of Moultrie County

Sullivan, IL · Cert 3745 · Peer group: banks under $1B in assets in IL (n=149-151) · Sullivan Bancshares Employee Svg&Retirement Plan

State charter, non-member · FDIC · 3 branches

Q2 2026

$119.7MAssets
$53.4MLoans
$109.7MDeposits
$9.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets in IL (rank 26 of 149).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in IL (rank 139 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.00%

Rank 82 of 151

Net Interest Margin

3.16%

Rank 104 of 151

Efficiency Ratio

65.77%

Rank 83 of 151

Equity / Assets

7.54%

Rank 139 of 151

Non-interest income vs. expense

$0.6M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 46% of banks under $1B in assets in IL
Bank 65.77%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.70%1.03%1.34%Beats 46%82 / 151
Return on Equity13.22%6.74%9.34%12.94%Beats 79%32 / 151
Net Interest Margin3.16%3.02%3.43%3.83%Beats 31%104 / 151
Efficiency Ratio65.77%54.64%64.89%72.50%Beats 46%83 / 151
Asset Quality
Nonperforming Loans / Loans0.10%0.20%0.66%1.77%Beats 83%26 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 58%64 / 149
Capital
Tier 1 Capital Ratio19.07%11.83%14.17%18.66%Beats 77%35 / 151
Total Risk-Based Capital Ratio20.32%12.22%14.54%19.92%Beats 77%34 / 151
Equity / Assets7.54%9.10%10.65%12.40%Beats 8%139 / 151
Liquidity & Funding
Loans / Deposits48.65%54.39%71.02%80.75%13th pctl129 / 149
Loans / Assets44.55%45.91%61.31%68.01%19th pctl123 / 151
Brokered Deposits / Depositsn/aNot reported for this institution