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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

$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