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Letter portraitLegal landscapeQuarterYTD

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