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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 $3.2MQ3 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