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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

4.46%Q2 ’244.72%Q2 ’254.88%Q2 ’26+4%+8%

Non-interest income vs. expense

3.22%Q2 ’242.70%Q2 ’252.63%Q2 ’26-18%-3%

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 1.02%, up 29 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.66% of loans (+34 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

1.02%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.78%+29 bps YoY

Efficiency Ratio (quarter, annualized)

64.91%-691 bps YoY

Tier 1 Leverage Ratio

9.89%+39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.71%1.11%0.81%1.02%+29 bps
Return on Equity7.96%7.54%11.38%8.40%10.57%+261 bps
Net Interest Margin3.49%3.55%3.60%3.60%3.78%+29 bps
Efficiency Ratio71.82%74.65%62.38%71.24%64.91%-691 bps
Non-Interest Burden2.42%2.58%2.06%2.48%2.34%-7 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 / Loans0.12%-0.01%0.08%0.06%0.04%-8 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