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First National Bank of Okawville, The

Okawville, IL · Cert 3826

National charter · OCC · 1 branch

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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

13

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 Okawville, The

Okawville, IL · Cert 3826

National charter · OCC · 1 branch

Q2 2026

$66.3MAssets
$21.1MLoans
$58.7MDeposits
$7.3MEquity
Loan mix
84%RE $14.2M11%C&I $1.9M5%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $39.7M32%Noninterest $19.0MQ2 2025Q2 2026

NIM

3.51%Q2 ’243.62%Q2 ’253.75%Q2 ’26+15%+3%

Non-interest income vs. expense

2.27%Q2 ’242.64%Q2 ’252.47%Q2 ’26+17%-7%

Executive Summary

  • Earnings: ROA of 0.55%, up 24 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.11% of loans (+11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.55%, down 17 bps from a year ago.
  • Funding: loans stand at 35.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+8 bps YoY

Efficiency Ratio (YTD, annualized)

81.39%-802 bps YoY

Tier 1 Leverage Ratio

12.55%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.38%0.35%0.52%0.55%+24 bps
Return on Equity2.93%3.61%3.26%4.95%5.13%+219 bps
Net Interest Margin2.85%2.83%2.76%2.85%2.93%+8 bps
Efficiency Ratio89.40%86.60%87.81%82.33%81.39%-802 bps
Non-Interest Burden2.53%2.44%2.41%2.32%2.36%-17 bps
Growth
Asset Growth (YoY)-11.53%-14.46%0.56%7.30%3.29%+1,482 bps
Loan Growth (YoY)-12.03%-12.56%-8.79%-1.01%0.79%+1,281 bps
Deposit Growth (YoY)-6.53%3.47%4.90%7.48%3.25%+978 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.11%0.11%0.11%+11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.84%0.79%0.77%0.77%0.83%-1 bps
Allowance Coverage of NPLsn/an/a6.8x7.0x7.3xn/a
Capital
Tier 1 Leverage Ratio12.72%12.87%12.47%11.96%12.55%-17 bps
Total Risk-Based Capital21.90%21.85%12.47%11.96%12.55%-935 bps
Equity / Assets10.94%11.30%10.88%10.31%10.99%+6 bps
Liquidity & Funding
Loans / Deposits36.85%39.36%38.17%35.93%35.98%-88 bps
Liquid Assets / Assets32.83%32.55%29.66%26.77%27.21%-562 bps
CRE / Total Capitaln/a26.69%27.05%28.37%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

First National Bank of Okawville, The

Okawville, IL · Cert 3826 · Peer group: banks under $1B in assets in IL (n=149-151)

National charter · OCC · 1 branch

Q2 2026

$66.3MAssets
$21.1MLoans
$58.7MDeposits
$7.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: efficiency ratio trails 87% of banks under $1B in assets in IL (rank 133 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.57%

Rank 125 of 151

Net Interest Margin

2.93%

Rank 123 of 151

Efficiency Ratio

81.39%

Rank 133 of 151

Equity / Assets

10.99%

Rank 63 of 151

Non-interest income vs. expense

$0.1M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 13% of banks under $1B in assets in IL
Bank 81.39%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.57%0.70%1.03%1.34%Beats 17%125 / 151
Return on Equity5.16%6.74%9.34%12.94%Beats 18%124 / 151
Net Interest Margin2.93%3.02%3.43%3.83%Beats 19%123 / 151
Efficiency Ratio81.39%54.64%64.89%72.50%Beats 13%133 / 151
Asset Quality
Nonperforming Loans / Loans0.11%0.20%0.66%1.77%Beats 83%27 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio12.55%11.83%14.17%18.66%Beats 37%95 / 151
Total Risk-Based Capital Ratio12.55%12.22%14.54%19.92%Beats 30%106 / 151
Equity / Assets10.99%9.10%10.65%12.40%Beats 58%63 / 151
Liquidity & Funding
Loans / Deposits35.98%54.39%71.02%80.75%5th pctl142 / 149
Loans / Assets31.87%45.91%61.31%68.01%6th pctl142 / 151
Brokered Deposits / Depositsn/aNot reported for this institution