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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

$57.4MAssets
$21.2MLoans
$50.9MDeposits
$6.1MEquity
Loan mix
74%RE $14.6M10%C&I $1.9M16%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $42.7M16%Noninterest $8.1MQ2 2025Q2 2026

NIM

4.20%Q2 ’244.41%Q2 ’254.65%Q2 ’26+4%+13%

Non-interest income vs. expense

2.14%Q2 ’242.05%Q2 ’252.29%Q2 ’26-3%+12%

Executive Summary

  • Earnings: ROA of 1.28%, up 34 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.22% of loans (+13 bps YoY), with net charge-offs at 0.26%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.28%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+42 bps YoY

Efficiency Ratio (quarter, annualized)

58.96%-61 bps YoY

Tier 1 Leverage Ratio

11.25%+102 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.06%0.66%1.28%1.28%+34 bps
Return on Equity11.21%11.71%6.42%12.66%12.48%+127 bps
Net Interest Margin3.16%3.36%3.46%3.38%3.59%+42 bps
Efficiency Ratio59.57%58.21%77.76%56.04%58.96%-61 bps
Non-Interest Burden1.77%1.86%2.62%1.79%1.99%+22 bps
Growth
Asset Growth (YoY)16.57%2.37%3.63%2.46%-10.81%-2,738 bps
Loan Growth (YoY)-4.43%-1.49%1.05%0.40%6.13%+1,055 bps
Deposit Growth (YoY)17.14%1.43%1.36%0.93%-13.70%-3,084 bps
Asset Quality
Nonperforming Loans / Loans1.09%1.05%1.29%1.32%1.22%+13 bps
Net Charge-Offs / Loans0.88%-1.09%0.09%0.31%0.26%-62 bps
Allowance / Loans1.94%2.15%2.08%2.09%1.99%+5 bps
Allowance Coverage of NPLs1.8x2.0x1.6x1.6x1.6x-0.1x
Capital
Tier 1 Leverage Ratio10.24%10.73%10.91%11.07%11.25%+102 bps
Total Risk-Based Capital26.52%26.68%26.30%27.65%28.10%+159 bps
Equity / Assets8.01%10.21%10.24%9.92%10.67%+266 bps
Liquidity & Funding
Loans / Deposits33.96%41.95%41.94%39.70%41.76%+780 bps
Liquid Assets / Assets12.25%9.68%9.88%14.31%9.52%-273 bps
CRE / Total Capitaln/a34.18%33.21%31.48%n/an/a