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Letter portraitLegal landscapeQuarterYTD

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