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First National Bank in Tremont, The

Tremont, IL · Cert 3749 · Tremont Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

42

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 National Bank in Tremont, The

Tremont, IL · Cert 3749 · Tremont Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$187.6MAssets
$125.5MLoans
$166.1MDeposits
$18.7MEquity
Loan mix
86%RE $94.0M12%C&I $13.1M2%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $132.1M20%Noninterest $34.0MQ2 2025Q2 2026

NIM

4.28%Q2 ’244.61%Q2 ’254.82%Q2 ’26+7%+8%

Non-interest income vs. expense

3.18%Q2 ’242.76%Q2 ’252.70%Q2 ’26-14%-4%

Market Position · Peoria, IL · 2026 SOD (annual) · 1.1% share · #14 of 35 inst. · $0.1B of $10.0B

3.0% Tazewell
7.8% Logan

Executive Summary

  • Earnings: ROA of 0.92%, up 27 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.66% of loans (+34 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.89%, up 39 bps from a year ago.
  • Funding: loans stand at 75.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+26 bps YoY

Efficiency Ratio (YTD, annualized)

68.00%-721 bps YoY

Tier 1 Leverage Ratio

9.89%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.68%0.79%0.81%0.92%+27 bps
Return on Equity7.07%7.21%8.30%8.40%9.50%+243 bps
Net Interest Margin3.44%3.43%3.48%3.60%3.70%+26 bps
Efficiency Ratio75.21%75.01%71.62%71.24%68.00%-721 bps
Non-Interest Burden2.51%2.50%2.40%2.48%2.42%-9 bps
Growth
Asset Growth (YoY)12.89%7.72%7.55%9.98%2.49%-1,041 bps
Loan Growth (YoY)2.87%-1.30%3.03%5.03%5.34%+246 bps
Deposit Growth (YoY)12.45%7.79%7.23%9.95%1.56%-1,089 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.58%0.34%0.44%0.66%+34 bps
Net Charge-Offs / Loans0.04%0.02%0.04%0.06%0.05%+1 bps
Allowance / Loans1.15%1.19%1.15%1.20%1.20%+4 bps
Allowance Coverage of NPLs3.6x2.0x3.4x2.8x1.8x-1.8x
Capital
Tier 1 Leverage Ratio9.50%9.48%9.73%9.62%9.89%+39 bps
Total Risk-Based Capital9.50%9.48%9.73%9.62%9.89%+39 bps
Equity / Assets9.14%9.72%9.81%9.41%9.97%+83 bps
Liquidity & Funding
Loans / Deposits72.82%74.47%76.37%69.73%75.53%+271 bps
Liquid Assets / Assets8.82%5.83%5.14%11.95%5.73%-309 bps
CRE / Total Capitaln/a138.73%137.15%138.73%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 National Bank in Tremont, The

Tremont, IL · Cert 3749 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Tremont Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$187.6MAssets
$125.5MLoans
$166.1MDeposits
$18.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 52% of banks under $1B in assets operating in a single state (rank 361 of 746).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 700 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.93%

Rank 442 of 746

Net Interest Margin

3.70%

Rank 361 of 746

Efficiency Ratio

68.00%

Rank 434 of 746

Equity / Assets

9.97%

Rank 431 of 746

Non-interest income vs. expense

$0.5M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state
Bank 68.00%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.72%1.06%1.45%Beats 41%442 / 746
Return on Equity9.36%6.74%10.51%13.63%Beats 42%435 / 746
Net Interest Margin3.70%3.17%3.68%4.16%Beats 52%361 / 746
Efficiency Ratio68.00%55.74%64.58%75.47%Beats 42%434 / 746
Asset Quality
Nonperforming Loans / Loans0.66%0.09%0.42%1.07%Beats 40%449 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 34%491 / 743
Capital
Tier 1 Capital Ratio9.89%11.55%13.75%17.60%Beats 6%698 / 746
Total Risk-Based Capital Ratio9.89%11.71%14.33%18.43%Beats 6%700 / 746
Equity / Assets9.97%8.90%10.51%13.06%Beats 42%431 / 746
Liquidity & Funding
Loans / Deposits75.53%61.31%78.27%90.78%45th pctl413 / 746
Loans / Assets66.88%53.60%66.97%76.08%50th pctl376 / 746
Brokered Deposits / Depositsn/aNot reported for this institution