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First Community Trust, National Association

Dubuque, IA · Cert 57179

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

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 IA (n=135). 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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

4

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 Community Trust, National Association

Dubuque, IA · Cert 57179

FDIC

Q2 2026

$13.8MAssets
$0KLoans
$0KDeposits
$12.9MEquity

Executive Summary

  • Earnings: ROA of 4.38%, up 113 bps year over year; NIM at 2.36%.
  • Capital: tier 1 leverage ratio of 93.28%, up 153 bps from a year ago.

Return on Assets (YTD, annualized)

4.38%+113 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-60 bps YoY

Efficiency Ratio (YTD, annualized)

90.58%-184 bps YoY

Tier 1 Leverage Ratio

93.28%+153 bps YoY

NIM

2.20%Q2 ’242.20%Q2 ’251.81%Q2 ’26-1%-20%

Non-interest income vs. expense

46.61%Q2 ’2453.48%Q2 ’2555.43%Q2 ’26+72%-81%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets7.52%7.19%4.28%3.25%3.48%4.41%5.01%4.38%+113 bps
Return on Equity8.11%7.76%4.58%3.48%3.73%4.73%5.33%4.67%+119 bps
Net Interest Margin2.99%2.88%3.05%2.95%2.88%2.73%2.44%2.36%-60 bps
Efficiency Ratio82.32%83.20%89.97%92.42%91.93%89.94%89.08%90.58%-184 bps
Non-Interest Burden-7.78%-7.14%-3.48%-2.19%-2.49%-3.74%-4.80%-3.96%-177 bps
Growth
Asset Growth (YoY)0.73%0.50%0.11%-1.07%-1.94%-7.10%1.25%1.36%+243 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio91.80%91.10%89.78%91.74%91.90%89.39%94.36%93.28%+153 bps
Total Risk-Based Capital91.80%91.10%89.78%91.74%91.90%89.39%94.36%93.28%+153 bps
Equity / Assets92.61%92.25%94.83%93.16%92.79%93.37%94.66%93.29%+13 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets10.12%12.18%5.80%5.29%6.29%4.45%5.30%6.08%+79 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%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 Community Trust, National Association

Dubuque, IA · Cert 57179 · Peer group: banks under $1B in assets in IA (n=135)

FDIC

Q2 2026

$13.8MAssets
$0KLoans
$0KDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets in IA (rank 1 of 135).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets in IA (rank 131 of 135).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

4.31%

Rank 1 of 135

Net Interest Margin

2.36%

Rank 128 of 135

Efficiency Ratio

90.58%

Rank 131 of 135

Equity / Assets

93.29%

Rank 1 of 135

Non-interest income vs. expense

$8.1M$7.5MINCOMEEXPENSE
Favorable gap of $0.5M · efficiency ratio beats 4% of banks under $1B in assets in IA
Bank 90.58%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets4.31%0.92%1.19%1.47%Beats 99%1 / 135
Return on Equity4.62%7.99%10.26%13.14%Beats 8%124 / 135
Net Interest Margin2.36%2.95%3.41%3.73%Beats 5%128 / 135
Efficiency Ratio90.58%50.61%57.35%63.29%Beats 4%131 / 135
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio93.28%11.23%13.31%15.45%Beats 99%1 / 135
Total Risk-Based Capital Ratio93.28%11.61%14.06%16.47%Beats 99%1 / 135
Equity / Assets93.29%9.87%11.05%13.07%Beats 99%1 / 135
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%57.61%68.06%76.23%0th pctl135 / 135
Brokered Deposits / Depositsn/aNot reported for this institution