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Great Rivers Bank

Barry, IL · Cert 3762 · FNB Barry Bcorp Inc.

State charter, non-member · FDIC · 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 regionally3

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 regionally (n=94). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

69

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

Great Rivers Bank

Barry, IL · Cert 3762 · FNB Barry Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$194.6MAssets
$161.4MLoans
$167.9MDeposits
$22.1MEquity
Loan mix
87%RE $116.5M9%C&I $11.8M4%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $140.6M16%Noninterest $27.2MQ2 2025Q2 2026

NIM

5.46%Q2 ’245.64%Q2 ’255.77%Q2 ’26+2%+7%

Non-interest income vs. expense

2.88%Q2 ’242.77%Q2 ’252.63%Q2 ’26-6%-4%

Executive Summary

  • Earnings: ROA of 1.44%, up 27 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.11% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.20%, up 5 bps from a year ago.
  • Funding: loans stand at 96.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+26 bps YoY

Efficiency Ratio (YTD, annualized)

58.25%-612 bps YoY

Tier 1 Leverage Ratio

11.20%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.17%0.93%1.43%1.44%+27 bps
Return on Equity10.71%10.65%8.51%13.15%12.98%+228 bps
Net Interest Margin3.81%3.76%3.73%3.97%4.07%+26 bps
Efficiency Ratio64.37%63.70%67.05%57.39%58.25%-612 bps
Non-Interest Burden2.26%2.21%2.34%2.08%2.17%-10 bps
Growth
Asset Growth (YoY)12.31%10.71%8.22%7.28%3.90%-842 bps
Loan Growth (YoY)13.21%11.83%10.15%4.56%4.15%-905 bps
Deposit Growth (YoY)9.83%10.48%5.64%11.41%8.88%-95 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.02%0.10%0.14%0.11%+4 bps
Net Charge-Offs / Loans0.01%0.00%0.06%0.00%0.00%0 bps
Allowance / Loans1.03%1.04%1.06%1.10%1.09%+6 bps
Allowance Coverage of NPLs16.4x47.0x10.3x7.9x10.4x-6.1x
Capital
Tier 1 Leverage Ratio11.15%11.03%10.59%10.88%11.20%+5 bps
Total Risk-Based Capital13.09%13.04%12.70%13.32%13.47%+37 bps
Equity / Assets10.98%11.12%10.84%10.98%11.35%+37 bps
Liquidity & Funding
Loans / Deposits100.49%103.09%100.89%90.46%96.13%-436 bps
Liquid Assets / Assets3.61%2.66%3.14%6.96%3.88%+27 bps
CRE / Total Capitaln/a245%247%234%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

Great Rivers Bank

Barry, IL · Cert 3762 · Peer group: banks under $1B in assets operating regionally (n=94) · FNB Barry Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$194.6MAssets
$161.4MLoans
$167.9MDeposits
$22.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of banks under $1B in assets operating regionally (rank 19 of 94).
  • Widest gap: tier 1 capital ratio trails 45% of banks under $1B in assets operating regionally (rank 42 of 94).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.44%

Rank 27 of 94

Net Interest Margin

4.07%

Rank 29 of 94

Efficiency Ratio

58.25%

Rank 30 of 94

Equity / Assets

11.35%

Rank 26 of 94

Non-interest income vs. expense

$0.9M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 69% of banks under $1B in assets operating regionally
Bank 58.25%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.82%1.19%1.46%Beats 71%27 / 94
Return on Equity12.65%7.85%11.84%14.03%Beats 62%36 / 94
Net Interest Margin4.07%3.42%3.81%4.18%Beats 69%29 / 94
Efficiency Ratio58.25%55.99%62.41%73.02%Beats 69%30 / 94
Asset Quality
Nonperforming Loans / Loans0.11%0.19%0.47%1.14%Beats 81%19 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 70%29 / 94
Capital
Tier 1 Capital Ratio12.45%10.28%11.95%15.07%Beats 55%42 / 94
Total Risk-Based Capital Ratio13.47%10.31%12.59%15.88%Beats 57%40 / 94
Equity / Assets11.35%8.98%10.21%11.41%Beats 72%26 / 94
Liquidity & Funding
Loans / Deposits96.13%72.62%84.44%94.55%77th pctl22 / 94
Loans / Assets82.95%62.50%72.84%78.99%81st pctl18 / 94
Brokered Deposits / Depositsn/aNot reported for this institution