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First Neighbor Bank, National Association

Toledo, IL · Cert 3747 · First Neighborhood Bancshares Employee STK Ownership Plan

National charter · OCC · 10 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

45

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 Neighbor Bank, National Association

Toledo, IL · Cert 3747 · First Neighborhood Bancshares Employee STK Ownership Plan

National charter · OCC · 10 branches

Q2 2026

$736.0MAssets
$528.7MLoans
$604.2MDeposits
$78.9MEquity
Loan mix
70%RE $322.9M23%C&I $108.4M7%Consumer $30.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $493.7M18%Noninterest $110.4MQ2 2025Q2 2026

NIM

5.83%Q2 ’246.01%Q2 ’255.80%Q2 ’26+4%-3%

Non-interest income vs. expense

3.01%Q2 ’243.12%Q2 ’253.20%Q2 ’26+13%+2%

Executive Summary

  • Earnings: ROA of 1.22%, up 10 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 2.00% of loans (-110 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.62%, down 11 bps from a year ago.
  • Funding: loans stand at 87.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-14 bps YoY

Efficiency Ratio (YTD, annualized)

65.69%+299 bps YoY

Tier 1 Leverage Ratio

10.62%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.11%1.19%1.36%1.22%+10 bps
Return on Equity10.70%10.65%11.34%12.97%11.52%+82 bps
Net Interest Margin4.11%3.99%3.83%4.04%3.98%-14 bps
Efficiency Ratio62.70%64.43%64.15%63.20%65.69%+299 bps
Non-Interest Burden2.26%2.30%2.20%2.18%2.31%+5 bps
Growth
Asset Growth (YoY)5.98%11.72%11.52%11.36%11.14%+515 bps
Loan Growth (YoY)7.75%6.98%4.53%-1.13%-2.13%-988 bps
Deposit Growth (YoY)3.87%13.30%12.48%12.07%12.06%+820 bps
Asset Quality
Nonperforming Loans / Loans3.10%3.50%3.38%2.58%2.00%-110 bps
Net Charge-Offs / Loans0.34%0.28%0.31%0.00%0.08%-26 bps
Allowance / Loans1.24%1.24%1.21%1.29%1.26%+3 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.5x0.6x+0.2x
Capital
Tier 1 Leverage Ratio10.73%10.71%10.38%10.46%10.62%-11 bps
Total Risk-Based Capital10.73%10.71%10.38%10.46%10.62%-11 bps
Equity / Assets10.65%10.37%10.54%10.50%10.71%+7 bps
Liquidity & Funding
Loans / Deposits100.20%92.94%92.50%86.01%87.51%-1,269 bps
Liquid Assets / Assets2.69%7.53%6.67%12.24%10.18%+749 bps
CRE / Total Capitaln/a194.28%193.48%182.16%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 Neighbor Bank, National Association

Toledo, IL · Cert 3747 · Peer group: banks under $1B in assets in IL (n=149-151) · First Neighborhood Bancshares Employee STK Ownership Plan

National charter · OCC · 10 branches

Q2 2026

$736.0MAssets
$528.7MLoans
$604.2MDeposits
$78.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of banks under $1B in assets in IL (rank 27 of 151).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in IL (rank 140 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.21%

Rank 51 of 151

Net Interest Margin

3.98%

Rank 27 of 151

Efficiency Ratio

65.87%

Rank 84 of 151

Equity / Assets

10.71%

Rank 73 of 151

Non-interest income vs. expense

$6.6M$23.6MINCOMEEXPENSE
Unfavorable gap of $17.0M · efficiency ratio beats 45% of banks under $1B in assets in IL
Bank 65.87%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.70%1.03%1.34%Beats 66%51 / 151
Return on Equity11.31%6.74%9.34%12.94%Beats 66%52 / 151
Net Interest Margin3.98%3.02%3.43%3.83%Beats 82%27 / 151
Efficiency Ratio65.87%54.64%64.89%72.50%Beats 45%84 / 151
Asset Quality
Nonperforming Loans / Loans2.00%0.20%0.66%1.77%Beats 21%119 / 149
Net Charge-Offs / Loans0.08%0.00%0.02%0.07%Beats 22%117 / 149
Capital
Tier 1 Capital Ratio10.62%11.83%14.17%18.66%Beats 9%137 / 151
Total Risk-Based Capital Ratio10.62%12.22%14.54%19.92%Beats 7%140 / 151
Equity / Assets10.71%9.10%10.65%12.40%Beats 52%73 / 151
Liquidity & Funding
Loans / Deposits87.51%54.39%71.02%80.75%87th pctl20 / 149
Loans / Assets71.83%45.91%61.31%68.01%86th pctl21 / 151
Brokered Deposits / Depositsn/aNot reported for this institution