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Letter portraitLegal landscapeQuarterYTD

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 $0.9MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $39.7M32%Noninterest $19.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.56%, up 35 bps year over year; NIM at 2.88%.
  • 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.

Return on Assets (quarter, annualized)

0.56%+35 bps YoY

Net Interest Margin (quarter, annualized)

2.88%+5 bps YoY

Efficiency Ratio (quarter, annualized)

80.40%-1,213 bps YoY

Tier 1 Leverage Ratio

12.55%-17 bps YoY

NIM

3.52%Q2 ’243.60%Q2 ’253.71%Q2 ’26+17%+2%

Non-interest income vs. expense

2.30%Q2 ’242.69%Q2 ’252.40%Q2 ’26+18%-12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.01%0.39%0.21%0.55%0.25%0.52%0.56%+35 bps
Return on Equity2.27%0.12%3.87%2.00%4.93%2.24%4.95%5.30%+329 bps
Net Interest Margin2.30%2.36%2.83%2.83%2.77%2.80%2.85%2.88%+5 bps
Efficiency Ratio91.03%99.52%86.36%92.54%80.74%91.40%82.33%80.40%-1,213 bps
Non-Interest Burden2.08%2.34%2.42%2.61%2.21%2.54%2.32%2.29%-31 bps
Growth
Asset Growth (YoY)4.27%-12.89%-11.47%-11.53%-14.46%0.56%7.30%3.29%+1,482 bps
Loan Growth (YoY)15.57%8.12%-0.24%-12.03%-12.56%-8.79%-1.01%0.79%+1,281 bps
Deposit Growth (YoY)-9.87%-12.59%-6.50%-6.53%3.47%4.90%7.48%3.25%+978 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.11%0.11%0.11%+11 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.69%0.70%0.76%0.84%0.79%0.77%0.77%0.83%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/a6.8x7.0x7.3xn/a
Capital
Tier 1 Leverage Ratio11.16%11.76%12.56%12.72%12.87%12.47%11.96%12.55%-17 bps
Total Risk-Based Capital18.61%18.79%20.54%21.90%21.85%12.47%11.96%12.55%-935 bps
Equity / Assets9.45%9.97%10.45%10.94%11.30%10.88%10.31%10.99%+6 bps
Liquidity & Funding
Loans / Deposits46.57%43.90%39.01%36.85%39.36%38.17%35.93%35.98%-88 bps
Liquid Assets / Assets31.30%33.57%32.90%32.83%32.55%29.66%26.77%27.21%-562 bps
CRE / Total Capitaln/an/an/an/a26.69%27.05%28.37%n/an/a