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First National Bank of Carmi, The

Carmi, IL · Cert 3777 · Southern Illinois Bcorp Inc.

National charter · OCC · 12 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=100). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

41

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 Carmi, The

Carmi, IL · Cert 3777 · Southern Illinois Bcorp Inc.

National charter · OCC · 12 branches

Q2 2026

$622.2MAssets
$428.5MLoans
$545.5MDeposits
$74.5MEquity
Loan mix
77%RE $297.2M22%C&I $84.8M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $402.4M26%Noninterest $143.1MQ2 2025Q2 2026

NIM

5.35%Q2 ’245.35%Q2 ’255.46%Q2 ’26+3%+3%

Non-interest income vs. expense

2.71%Q2 ’242.93%Q2 ’252.97%Q2 ’26+4%+7%

Market Position · Evansville, IN · 2026 SOD (annual) · 1.3% share · #8 of 15 inst. · $0.2B of $13.6B

43.1% White
21.6% Posey
0.7% Vanderburgh
13.5% Wabash

Executive Summary

  • Earnings: ROA of 1.19%, up 9 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.35% of loans (-44 bps YoY), with net recoveries of 0.15%.
  • Capital: tier 1 leverage ratio of 11.42%, up 42 bps from a year ago.
  • Funding: loans stand at 78.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+12 bps YoY

Efficiency Ratio (YTD, annualized)

64.53%+96 bps YoY

Tier 1 Leverage Ratio

11.42%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.14%1.18%1.14%1.19%+9 bps
Return on Equity9.57%9.81%10.08%9.61%10.00%+43 bps
Net Interest Margin4.02%4.13%4.10%4.06%4.13%+12 bps
Efficiency Ratio63.57%63.65%63.06%65.37%64.53%+96 bps
Non-Interest Burden2.33%2.41%2.37%2.47%2.48%+16 bps
Growth
Asset Growth (YoY)-0.95%0.03%2.25%1.86%4.69%+564 bps
Loan Growth (YoY)0.10%-1.27%-3.74%-5.85%-5.09%-519 bps
Deposit Growth (YoY)-1.10%-0.61%1.74%1.50%4.70%+581 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.57%0.54%0.49%0.35%-44 bps
Net Charge-Offs / Loans-0.05%0.27%0.20%-0.07%-0.15%-10 bps
Allowance / Loans1.42%1.21%1.25%1.35%1.37%-5 bps
Allowance Coverage of NPLs1.8x2.1x2.3x2.7x3.9x+2.1x
Capital
Tier 1 Leverage Ratio11.00%11.33%11.33%11.29%11.42%+42 bps
Total Risk-Based Capital15.02%15.34%15.83%17.00%11.42%-360 bps
Equity / Assets11.78%12.18%12.13%11.65%11.98%+20 bps
Liquidity & Funding
Loans / Deposits86.64%86.40%83.92%74.69%78.54%-810 bps
Liquid Assets / Assets6.79%6.77%9.72%17.80%12.20%+541 bps
CRE / Total Capitaln/a303%292%278%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 Carmi, The

Carmi, IL · Cert 3777 · Peer group: banks under $1B in assets operating regionally (n=100) · Southern Illinois Bcorp Inc.

National charter · OCC · 12 branches

Q2 2026

$622.2MAssets
$428.5MLoans
$545.5MDeposits
$74.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating regionally (rank 12 of 100).
  • Widest gap: return on equity trails 67% of banks under $1B in assets operating regionally (rank 67 of 100).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.19%

Rank 50 of 100

Net Interest Margin

4.13%

Rank 26 of 100

Efficiency Ratio

65.14%

Rank 60 of 100

Equity / Assets

11.98%

Rank 16 of 100

Non-interest income vs. expense

$3.0M$18.4MINCOMEEXPENSE
Unfavorable gap of $15.4M · efficiency ratio beats 41% of banks under $1B in assets operating regionally
Bank 65.14%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.82%1.19%1.50%Beats 50%50 / 100
Return on Equity9.90%7.96%11.91%14.16%Beats 33%67 / 100
Net Interest Margin4.13%3.43%3.80%4.17%Beats 74%26 / 100
Efficiency Ratio65.14%55.88%62.41%72.90%Beats 41%60 / 100
Asset Quality
Nonperforming Loans / Loans0.35%0.19%0.47%1.06%Beats 58%43 / 100
Net Charge-Offs / Loans0.00%0.00%0.02%0.06%Beats 100%12 / 100
Capital
Tier 1 Capital Ratio11.42%10.31%12.02%14.75%Beats 39%61 / 100
Total Risk-Based Capital Ratio11.42%10.50%12.71%15.64%Beats 36%64 / 100
Equity / Assets11.98%8.89%10.14%11.36%Beats 84%16 / 100
Liquidity & Funding
Loans / Deposits78.54%73.97%83.99%92.79%39th pctl61 / 100
Loans / Assets68.86%62.33%70.97%78.76%39th pctl61 / 100
Brokered Deposits / Depositsn/aNot reported for this institution