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First National Bank of Litchfield, The

Litchfield, IL · Cert 3807 · First Montgomery Bcorp Inc.

National charter · OCC · 2 branches

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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

58

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 Litchfield, The

Litchfield, IL · Cert 3807 · First Montgomery Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$150.4MAssets
$112.7MLoans
$131.8MDeposits
$16.2MEquity
Loan mix
75%RE $69.4M20%C&I $18.7M4%Consumer $4.0MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $112.4M15%Noninterest $19.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.09%, up 12 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.13% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.50%, down 31 bps from a year ago.
  • Funding: loans stand at 85.50% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+14 bps YoY

Efficiency Ratio (YTD, annualized)

62.08%-350 bps YoY

Tier 1 Leverage Ratio

11.50%-31 bps YoY

NIM

4.96%Q2 ’245.13%Q2 ’255.36%Q2 ’26+7%+4%

Non-interest income vs. expense

2.52%Q2 ’242.36%Q2 ’252.31%Q2 ’26-2%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.78%0.92%0.97%0.95%0.99%1.02%1.09%+12 bps
Return on Equity7.06%7.24%8.63%9.17%8.78%9.10%9.45%10.12%+95 bps
Net Interest Margin3.16%3.22%3.43%3.36%3.45%3.41%3.50%3.50%+14 bps
Efficiency Ratio71.58%70.98%67.23%65.59%65.24%64.46%63.88%62.08%-350 bps
Non-Interest Burden2.16%2.18%2.22%2.12%2.16%2.09%2.17%2.09%-3 bps
Growth
Asset Growth (YoY)-4.79%-4.01%5.93%9.72%8.44%12.04%8.71%7.54%-218 bps
Loan Growth (YoY)4.63%4.39%10.84%10.10%8.26%11.73%6.07%7.07%-302 bps
Deposit Growth (YoY)-10.46%-5.01%6.30%13.79%12.82%14.34%8.65%7.39%-641 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.08%0.07%0.14%0.18%0.16%0.15%0.13%-1 bps
Net Charge-Offs / Loans0.03%0.06%0.01%0.00%0.01%0.04%-0.01%0.00%0 bps
Allowance / Loans1.40%1.30%1.25%1.29%1.30%1.19%1.22%1.24%-5 bps
Allowance Coverage of NPLs12.7x15.8x17.1x9.4x7.2x7.6x7.9x9.8x+0.4x
Capital
Tier 1 Leverage Ratio12.56%12.73%12.30%11.80%12.13%12.04%11.59%11.50%-31 bps
Total Risk-Based Capital17.19%16.70%16.34%16.50%16.76%15.83%16.33%16.32%-18 bps
Equity / Assets11.42%10.96%10.32%10.60%11.25%11.14%10.44%10.77%+17 bps
Liquidity & Funding
Loans / Deposits91.84%93.87%86.99%85.75%88.13%91.73%84.92%85.50%-25 bps
Liquid Assets / Assets0.35%0.74%4.12%5.33%2.33%0.75%6.32%5.53%+20 bps
CRE / Total Capitaln/an/an/an/a76.71%76.87%80.65%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 Litchfield, The

Litchfield, IL · Cert 3807 · Peer group: banks under $1B in assets in IL (n=149-151) · First Montgomery Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$150.4MAssets
$112.7MLoans
$131.8MDeposits
$16.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets in IL (rank 28 of 149).
  • Widest gap: equity / assets trails 46% of banks under $1B in assets in IL (rank 69 of 151).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.07%

Rank 68 of 151

Net Interest Margin

3.50%

Rank 68 of 151

Efficiency Ratio

62.08%

Rank 64 of 151

Equity / Assets

10.77%

Rank 69 of 151

Non-interest income vs. expense

$0.3M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 58% of banks under $1B in assets in IL
Bank 62.08%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.07%0.70%1.03%1.34%Beats 55%68 / 151
Return on Equity9.97%6.74%9.34%12.94%Beats 56%67 / 151
Net Interest Margin3.50%3.02%3.43%3.83%Beats 55%68 / 151
Efficiency Ratio62.08%54.64%64.89%72.50%Beats 58%64 / 151
Asset Quality
Nonperforming Loans / Loans0.13%0.20%0.66%1.77%Beats 82%28 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 74%39 / 149
Capital
Tier 1 Capital Ratio15.12%11.83%14.17%18.66%Beats 58%64 / 151
Total Risk-Based Capital Ratio16.32%12.22%14.54%19.92%Beats 62%58 / 151
Equity / Assets10.77%9.10%10.65%12.40%Beats 54%69 / 151
Liquidity & Funding
Loans / Deposits85.50%54.39%71.02%80.75%85th pctl23 / 149
Loans / Assets74.93%45.91%61.31%68.01%91st pctl14 / 151
Brokered Deposits / Depositsn/aNot reported for this institution