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Fidelity Bank

Savanna, IL · Cert 5753 · Savanna-Thomson Investment Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

5

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

Fidelity Bank

Savanna, IL · Cert 5753 · Savanna-Thomson Investment Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$198.6MAssets
$147.3MLoans
$165.5MDeposits
$14.5MEquity
Loan mix
94%RE $126.0M5%C&I $7.0M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $142.4M14%Noninterest $23.1MQ2 2025Q2 2026

NIM

5.32%Q2 ’245.68%Q2 ’255.69%Q2 ’26+12%+1%

Non-interest income vs. expense

4.65%Q2 ’244.49%Q2 ’254.44%Q2 ’26+3%-4%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.1% share · #50 of 57 inst. · $0.0B of $38.0B

17.6% Carroll
1.1% Dallas
0.9% Story

Executive Summary

  • Earnings: ROA of 0.22%, up 17 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.78% of loans (+45 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.97%, down 41 bps from a year ago.
  • Funding: loans stand at 89.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+3 bps YoY

Efficiency Ratio (YTD, annualized)

92.03%-359 bps YoY

Tier 1 Leverage Ratio

7.97%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%-0.03%0.10%-0.04%0.22%+17 bps
Return on Equity0.84%-0.46%1.45%-0.54%3.10%+227 bps
Net Interest Margin3.50%3.36%3.45%3.47%3.53%+3 bps
Efficiency Ratio95.61%98.39%95.54%99.57%92.03%-359 bps
Non-Interest Burden3.28%3.27%3.23%3.43%3.13%-14 bps
Growth
Asset Growth (YoY)11.66%9.02%14.18%8.58%0.25%-1,141 bps
Loan Growth (YoY)21.65%26.49%29.97%22.53%13.04%-861 bps
Deposit Growth (YoY)20.61%14.62%10.60%8.19%2.80%-1,781 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.83%0.78%0.73%0.78%+45 bps
Net Charge-Offs / Loans0.12%0.07%0.05%0.00%0.00%-11 bps
Allowance / Loans0.69%0.67%0.63%0.64%0.64%-5 bps
Allowance Coverage of NPLs2.1x0.8x0.8x0.9x0.8x-1.2x
Capital
Tier 1 Leverage Ratio8.38%7.91%8.01%8.03%7.97%-41 bps
Total Risk-Based Capital12.45%12.24%11.80%11.75%11.78%-68 bps
Equity / Assets6.36%6.84%7.20%6.92%7.28%+92 bps
Liquidity & Funding
Loans / Deposits80.94%78.97%87.24%86.59%89.00%+806 bps
Liquid Assets / Assets2.56%2.27%2.16%2.13%2.16%-40 bps
CRE / Total Capitaln/a336%386%400%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

Fidelity Bank

Savanna, IL · Cert 5753 · Peer group: banks under $1B in assets operating regionally (n=94) · Savanna-Thomson Investment Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$198.6MAssets
$147.3MLoans
$165.5MDeposits
$14.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 81% of banks under $1B in assets operating regionally (rank 19 of 94).
  • Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating regionally (rank 90 of 94).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.22%

Rank 89 of 94

Net Interest Margin

3.53%

Rank 67 of 94

Efficiency Ratio

92.96%

Rank 90 of 94

Equity / Assets

7.28%

Rank 87 of 94

Non-interest income vs. expense

$2.6M$9.0MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 5% of banks under $1B in assets operating regionally
Bank 92.96%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.82%1.19%1.46%Beats 5%89 / 94
Return on Equity3.04%7.85%11.84%14.03%Beats 11%84 / 94
Net Interest Margin3.53%3.42%3.81%4.18%Beats 29%67 / 94
Efficiency Ratio92.96%55.99%62.41%73.02%Beats 5%90 / 94
Asset Quality
Nonperforming Loans / Loans0.78%0.19%0.47%1.14%Beats 35%62 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 81%19 / 94
Capital
Tier 1 Capital Ratio11.02%10.28%11.95%15.07%Beats 35%61 / 94
Total Risk-Based Capital Ratio11.78%10.31%12.59%15.88%Beats 45%52 / 94
Equity / Assets7.28%8.98%10.21%11.41%Beats 7%87 / 94
Liquidity & Funding
Loans / Deposits89.00%72.62%84.44%94.55%66th pctl32 / 94
Loans / Assets74.17%62.50%72.84%78.99%59th pctl39 / 94
Brokered Deposits / Depositsn/aNot reported for this institution