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American Eagle Bank

South Elgin, IL · Cert 57359 · Orchid Financial Bcorp Inc.

State charter, non-member · FDIC · 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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

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

American Eagle Bank

South Elgin, IL · Cert 57359 · Orchid Financial Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$484.7MAssets
$442.8MLoans
$363.1MDeposits
$40.7MEquity
Loan mix
51%RE $223.5M0%C&I $2.0M49%Consumer $213.0MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $345.6M5%Noninterest $17.5MQ2 2025Q2 2026

NIM

5.35%Q2 ’245.38%Q2 ’255.49%Q2 ’26+10%+19%

Non-interest income vs. expense

1.41%Q2 ’241.70%Q2 ’252.68%Q2 ’26+22%+68%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #78 of 147 inst. · $0.4B of $630.7B

2.1% Kane
0.0% Cook

Executive Summary

  • Earnings: ROA of -0.19%, down 53 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.04% of loans (+1 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.53%, down 37 bps from a year ago.
  • Funding: loans stand at 121.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-53 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+39 bps YoY

Efficiency Ratio (YTD, annualized)

110.80%+3,243 bps YoY

Tier 1 Leverage Ratio

8.53%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.46%0.44%0.50%-0.19%-53 bps
Return on Equity3.87%5.22%5.06%5.68%-2.21%-607 bps
Net Interest Margin2.12%2.28%2.29%2.41%2.51%+39 bps
Efficiency Ratio78.37%72.69%72.51%71.89%110.80%+3,243 bps
Non-Interest Burden1.65%1.65%1.65%1.72%2.77%+112 bps
Growth
Asset Growth (YoY)6.99%5.76%4.81%0.94%1.84%-516 bps
Loan Growth (YoY)6.86%8.39%5.07%5.19%11.08%+422 bps
Deposit Growth (YoY)11.98%7.90%1.89%0.80%-2.89%-1,487 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.04%0.04%0.04%+1 bps
Net Charge-Offs / Loans0.04%0.03%0.07%-0.03%0.02%-3 bps
Allowance / Loans0.31%0.29%0.27%0.26%0.26%-5 bps
Allowance Coverage of NPLs10.9x15.9x7.0x7.1x7.2x-3.8x
Capital
Tier 1 Leverage Ratio8.90%9.01%8.89%8.95%8.53%-37 bps
Total Risk-Based Capital10.85%10.52%10.59%10.51%9.75%-110 bps
Equity / Assets8.94%8.80%8.68%8.81%8.40%-55 bps
Liquidity & Funding
Loans / Deposits106.61%111.20%114.26%116.86%121.96%+1,534 bps
Liquid Assets / Assets13.45%11.06%10.87%7.98%6.06%-739 bps
CRE / Total Capitaln/a389%410%436%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

American Eagle Bank

South Elgin, IL · Cert 57359 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Orchid Financial Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$484.7MAssets
$442.8MLoans
$363.1MDeposits
$40.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 11 of 56).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 57).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.19%

Rank 54 of 57

Net Interest Margin

2.51%

Rank 53 of 57

Efficiency Ratio

110.80%

Rank 56 of 57

Equity / Assets

8.40%

Rank 51 of 57

Non-interest income vs. expense

-$0.5M$12.8MINCOMEEXPENSE
Unfavorable gap of $13.2M · efficiency ratio beats 4% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 110.80%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.19%0.51%0.84%1.19%Beats 5%54 / 57
Return on Equity-2.30%3.13%7.76%11.40%Beats 5%54 / 57
Net Interest Margin2.51%3.16%3.63%4.08%Beats 7%53 / 57
Efficiency Ratio110.80%59.57%69.70%81.06%Beats 4%56 / 57
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.34%1.78%Beats 82%11 / 56
Net Charge-Offs / Loans0.06%n/a0.00%0.01%Beats 12%50 / 56
Capital
Tier 1 Capital Ratio9.49%12.24%16.06%19.69%Beats 4%55 / 57
Total Risk-Based Capital Ratio9.75%12.54%16.50%20.95%Beats 4%55 / 57
Equity / Assets8.40%9.37%11.56%15.00%Beats 11%51 / 57
Liquidity & Funding
Loans / Deposits121.96%66.29%85.59%95.16%96th pctl2 / 57
Loans / Assets91.35%57.07%71.07%78.13%96th pctl2 / 57
Brokered Deposits / Depositsn/aNot reported for this institution