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First National Bank of Brownstown, The

Brownstown, IL · Cert 3770 · First Brownstown Bcorp Inc.

National charter · OCC · 1 branch

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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

68

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 of Brownstown, The

Brownstown, IL · Cert 3770 · First Brownstown Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$57.4MAssets
$21.2MLoans
$50.9MDeposits
$6.1MEquity
Loan mix
74%RE $14.6M10%C&I $1.9M16%Consumer $3.2MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $42.7M16%Noninterest $8.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.28%, up 32 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 1.22% of loans (+13 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 11.25%, up 102 bps from a year ago.
  • Funding: loans stand at 41.76% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.28%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+44 bps YoY

Efficiency Ratio (YTD, annualized)

57.56%-222 bps YoY

Tier 1 Leverage Ratio

11.25%+102 bps YoY

NIM

4.05%Q2 ’244.26%Q2 ’254.53%Q2 ’26+5%+15%

Non-interest income vs. expense

2.09%Q2 ’241.97%Q2 ’252.15%Q2 ’26-4%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.71%1.01%0.97%1.02%0.92%1.28%1.28%+32 bps
Return on Equity9.12%8.26%11.63%11.46%11.48%10.12%12.66%12.50%+104 bps
Net Interest Margin2.90%2.83%3.01%3.03%3.18%3.28%3.38%3.46%+44 bps
Efficiency Ratio66.39%68.29%60.00%59.78%59.23%64.15%56.04%57.56%-222 bps
Non-Interest Burden1.82%1.84%1.69%1.70%1.78%2.01%1.79%1.88%+18 bps
Growth
Asset Growth (YoY)5.38%3.15%4.35%16.57%2.37%3.63%2.46%-10.81%-2,738 bps
Loan Growth (YoY)7.23%6.70%-0.81%-4.43%-1.49%1.05%0.40%6.13%+1,055 bps
Deposit Growth (YoY)3.32%3.40%4.06%17.14%1.43%1.36%0.93%-13.70%-3,084 bps
Asset Quality
Nonperforming Loans / Loans1.96%1.86%1.13%1.09%1.05%1.29%1.32%1.22%+13 bps
Net Charge-Offs / Loans0.42%0.44%0.21%0.55%-0.01%0.01%0.31%0.28%-27 bps
Allowance / Loans1.81%1.85%1.89%1.94%2.15%2.08%2.09%1.99%+5 bps
Allowance Coverage of NPLs0.9x1.0x1.7x1.8x2.0x1.6x1.6x1.6x-0.1x
Capital
Tier 1 Leverage Ratio10.56%10.33%10.42%10.24%10.73%10.91%11.07%11.25%+102 bps
Total Risk-Based Capital24.16%24.17%25.60%26.52%26.68%26.30%27.65%28.10%+159 bps
Equity / Assets9.49%8.51%8.84%8.01%10.21%10.24%9.92%10.67%+266 bps
Liquidity & Funding
Loans / Deposits43.19%42.07%39.91%33.96%41.95%41.94%39.70%41.76%+780 bps
Liquid Assets / Assets12.54%13.41%15.52%12.25%9.68%9.88%14.31%9.52%-273 bps
CRE / Total Capitaln/an/an/an/a34.18%33.21%31.48%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 of Brownstown, The

Brownstown, IL · Cert 3770 · Peer group: banks under $1B in assets in IL (n=149-151) · First Brownstown Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$57.4MAssets
$21.2MLoans
$50.9MDeposits
$6.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of banks under $1B in assets in IL (rank 9 of 151).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in IL (rank 140 of 149).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.29%

Rank 44 of 151

Net Interest Margin

3.46%

Rank 72 of 151

Efficiency Ratio

57.56%

Rank 50 of 151

Equity / Assets

10.67%

Rank 74 of 151

Non-interest income vs. expense

$0.2M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 68% of banks under $1B in assets in IL
Bank 57.56%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.29%0.70%1.03%1.34%Beats 71%44 / 151
Return on Equity12.12%6.74%9.34%12.94%Beats 70%45 / 151
Net Interest Margin3.46%3.02%3.43%3.83%Beats 52%72 / 151
Efficiency Ratio57.56%54.64%64.89%72.50%Beats 68%50 / 151
Asset Quality
Nonperforming Loans / Loans1.22%0.20%0.66%1.77%Beats 36%96 / 149
Net Charge-Offs / Loans0.34%0.00%0.02%0.07%Beats 7%140 / 149
Capital
Tier 1 Capital Ratio26.84%11.83%14.17%18.66%Beats 94%9 / 151
Total Risk-Based Capital Ratio28.10%12.22%14.54%19.92%Beats 94%9 / 151
Equity / Assets10.67%9.10%10.65%12.40%Beats 51%74 / 151
Liquidity & Funding
Loans / Deposits41.76%54.39%71.02%80.75%6th pctl140 / 149
Loans / Assets36.99%45.91%61.31%68.01%9th pctl138 / 151
Brokered Deposits / Depositsn/aNot reported for this institution