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Letter portraitLegal landscapeQuarterYTD

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 $2.7MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $132.1M20%Noninterest $34.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.43%0.58%0.66%0.68%0.79%0.81%0.92%+27 bps
Return on Equity3.57%4.41%6.16%7.07%7.21%8.30%8.40%9.50%+243 bps
Net Interest Margin3.25%3.28%3.47%3.44%3.43%3.48%3.60%3.70%+26 bps
Efficiency Ratio86.72%83.47%78.75%75.21%75.01%71.62%71.24%68.00%-721 bps
Non-Interest Burden2.77%2.68%2.68%2.51%2.50%2.40%2.48%2.42%-9 bps
Growth
Asset Growth (YoY)9.75%9.60%13.27%12.89%7.72%7.55%9.98%2.49%-1,041 bps
Loan Growth (YoY)15.84%11.93%5.99%2.87%-1.30%3.03%5.03%5.34%+246 bps
Deposit Growth (YoY)12.85%13.18%15.83%12.45%7.79%7.23%9.95%1.56%-1,089 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.32%0.28%0.32%0.58%0.34%0.44%0.66%+34 bps
Net Charge-Offs / Loans0.05%0.05%-0.05%0.04%0.02%0.04%0.06%0.05%+1 bps
Allowance / Loans1.04%1.08%1.18%1.15%1.19%1.15%1.20%1.20%+4 bps
Allowance Coverage of NPLs2.7x3.3x4.2x3.6x2.0x3.4x2.8x1.8x-1.8x
Capital
Tier 1 Leverage Ratio9.90%9.85%9.58%9.50%9.48%9.73%9.62%9.89%+39 bps
Total Risk-Based Capital9.90%9.85%9.58%9.50%9.48%9.73%9.62%9.89%+39 bps
Equity / Assets9.70%9.45%9.27%9.14%9.72%9.81%9.41%9.97%+83 bps
Liquidity & Funding
Loans / Deposits81.33%79.48%72.99%72.82%74.47%76.37%69.73%75.53%+271 bps
Liquid Assets / Assets0.58%2.75%8.94%8.82%5.83%5.14%11.95%5.73%-309 bps
CRE / Total Capitaln/an/an/an/a138.73%137.15%138.73%n/an/a