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Letter portraitLegal landscapeQuarterYTD

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 $3.7MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $87.6M20%Noninterest $22.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.98%, up 13 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.10% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

0.98%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+35 bps YoY

Efficiency Ratio (quarter, annualized)

66.34%-237 bps YoY

Tier 1 Leverage Ratio

9.13%-3 bps YoY

NIM

3.45%Q2 ’243.63%Q2 ’253.97%Q2 ’26+9%+12%

Non-interest income vs. expense

2.23%Q2 ’242.33%Q2 ’252.43%Q2 ’26+6%+10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.81%0.90%0.85%0.93%0.94%0.98%0.98%+13 bps
Return on Equity14.42%13.83%15.14%12.95%13.51%13.27%13.66%13.27%+32 bps
Net Interest Margin2.67%2.87%2.82%2.86%3.05%3.18%3.13%3.20%+35 bps
Efficiency Ratio70.37%71.17%68.17%68.71%67.76%67.46%65.18%66.34%-237 bps
Non-Interest Burden1.71%1.88%1.73%1.79%1.91%1.99%1.87%1.96%+18 bps
Growth
Asset Growth (YoY)3.45%-0.18%6.09%-1.04%6.12%8.28%7.00%7.47%+852 bps
Loan Growth (YoY)9.39%7.90%1.64%3.56%4.97%3.57%8.74%6.35%+279 bps
Deposit Growth (YoY)0.31%-1.45%4.48%-3.27%5.17%6.51%5.66%6.73%+1,001 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.14%0.16%0.07%0.04%0.00%0.10%-6 bps
Net Charge-Offs / Loans-0.01%0.02%-0.01%-0.01%0.04%0.03%0.04%0.00%+1 bps
Allowance / Loans1.77%1.71%1.86%1.75%1.68%1.63%1.64%1.57%-18 bps
Allowance Coverage of NPLs87.7xn/a12.9x10.9x23.6x45.6x837.0x15.2x+4.3x
Capital
Tier 1 Leverage Ratio8.73%8.80%8.81%9.16%8.88%8.99%9.01%9.13%-3 bps
Total Risk-Based Capital19.16%19.00%20.58%19.92%19.34%19.60%20.77%20.32%+40 bps
Equity / Assets6.09%5.67%6.20%6.91%6.91%7.23%7.16%7.54%+63 bps
Liquidity & Funding
Loans / Deposits47.18%49.29%43.65%48.82%47.09%47.93%44.92%48.65%-17 bps
Liquid Assets / Assets15.52%13.97%20.13%14.03%19.40%18.49%21.61%16.41%+237 bps
CRE / Total Capitaln/an/an/an/a81.23%82.09%93.54%n/an/a