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Litchfield National Bank, The

Litchfield, IL · Cert 3808 · Litchfield Bancshares Co.

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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

26

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

Litchfield National Bank, The

Litchfield, IL · Cert 3808 · Litchfield Bancshares Co.

National charter · OCC · 2 branches

Q2 2026

$135.7MAssets
$82.7MLoans
$120.6MDeposits
$11.0MEquity
Loan mix
87%RE $65.9M4%C&I $3.1M8%Consumer $6.4MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $89.4M26%Noninterest $31.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.75%, up 6 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.84% of loans (-13 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 8.94%, up 18 bps from a year ago.
  • Funding: loans stand at 68.59% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.75%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+38 bps YoY

Efficiency Ratio (YTD, annualized)

71.82%-252 bps YoY

Tier 1 Leverage Ratio

8.94%+18 bps YoY

NIM

3.95%Q2 ’244.20%Q2 ’254.41%Q2 ’26+11%+15%

Non-interest income vs. expense

2.50%Q2 ’242.39%Q2 ’252.54%Q2 ’26-13%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.34%0.52%0.68%0.72%0.65%0.85%0.75%+6 bps
Return on Equity4.49%5.19%7.55%9.91%10.16%9.05%11.19%9.60%-31 bps
Net Interest Margin2.41%2.45%2.59%2.59%2.63%2.67%2.90%2.97%+38 bps
Efficiency Ratio88.85%86.76%77.11%74.34%73.07%74.13%67.91%71.82%-252 bps
Non-Interest Burden2.08%2.06%1.90%1.76%1.78%1.85%1.73%1.97%+21 bps
Growth
Asset Growth (YoY)-0.67%2.35%-1.28%7.41%6.83%6.50%8.77%-1.45%-887 bps
Loan Growth (YoY)0.52%1.60%4.67%9.03%4.41%4.18%2.64%-0.09%-912 bps
Deposit Growth (YoY)-1.02%1.04%-3.54%4.67%5.98%4.81%7.70%1.22%-345 bps
Asset Quality
Nonperforming Loans / Loans1.17%0.99%0.97%0.96%0.79%0.95%0.88%0.84%-13 bps
Net Charge-Offs / Loans0.11%0.08%-0.02%0.07%0.01%0.02%-0.02%-0.04%-10 bps
Allowance / Loans1.02%1.02%1.02%0.97%0.99%0.98%1.01%1.05%+8 bps
Allowance Coverage of NPLs0.9x1.0x1.1x1.0x1.3x1.0x1.1x1.3x+0.2x
Capital
Tier 1 Leverage Ratio8.72%8.65%8.73%8.77%8.76%8.75%8.81%8.94%+18 bps
Total Risk-Based Capital15.79%15.89%16.18%16.07%16.46%16.72%16.85%17.24%+117 bps
Equity / Assets7.19%6.64%7.06%7.01%7.62%7.63%7.62%8.07%+106 bps
Liquidity & Funding
Loans / Deposits71.01%69.36%70.48%69.49%69.96%68.94%67.17%68.59%-90 bps
Liquid Assets / Assets3.93%6.95%5.39%7.47%6.49%7.78%8.80%3.66%-382 bps
CRE / Total Capitaln/an/an/an/a119.18%114.31%111.37%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

Litchfield National Bank, The

Litchfield, IL · Cert 3808 · Peer group: banks under $1B in assets in IL (n=149-151) · Litchfield Bancshares Co.

National charter · OCC · 2 branches

Q2 2026

$135.7MAssets
$82.7MLoans
$120.6MDeposits
$11.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets in IL (rank 129 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.77%

Rank 109 of 151

Net Interest Margin

2.97%

Rank 119 of 151

Efficiency Ratio

71.82%

Rank 112 of 151

Equity / Assets

8.07%

Rank 129 of 151

Non-interest income vs. expense

$0.8M$3.6MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 26% of banks under $1B in assets in IL
Bank 71.82%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.77%0.70%1.03%1.34%Beats 28%109 / 151
Return on Equity9.52%6.74%9.34%12.94%Beats 50%75 / 151
Net Interest Margin2.97%3.02%3.43%3.83%Beats 21%119 / 151
Efficiency Ratio71.82%54.64%64.89%72.50%Beats 26%112 / 151
Asset Quality
Nonperforming Loans / Loans0.84%0.20%0.66%1.77%Beats 44%84 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio16.10%11.83%14.17%18.66%Beats 65%53 / 151
Total Risk-Based Capital Ratio17.24%12.22%14.54%19.92%Beats 66%51 / 151
Equity / Assets8.07%9.10%10.65%12.40%Beats 15%129 / 151
Liquidity & Funding
Loans / Deposits68.59%54.39%71.02%80.75%43rd pctl85 / 149
Loans / Assets60.97%45.91%61.31%68.01%48th pctl78 / 151
Brokered Deposits / Depositsn/aNot reported for this institution