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Belmont Bank & Trust Company

Chicago, IL · Cert 58165 · Belmont Financial Group Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

45

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

Belmont Bank & Trust Company

Chicago, IL · Cert 58165 · Belmont Financial Group Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$1.1BAssets
$752.2MLoans
$925.1MDeposits
$113.6MEquity
Loan mix
69%RE $499.3M31%C&I $221.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $713.8M23%Noninterest $211.3MQ2 2025Q2 2026

NIM

5.77%Q2 ’245.90%Q2 ’255.99%Q2 ’26+9%+5%

Non-interest income vs. expense

1.92%Q2 ’242.01%Q2 ’252.12%Q2 ’26+1%+5%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #52 of 147 inst. · $0.9B of $630.7B

0.2% Cook
0.0% Miami-Dade

Executive Summary

  • Earnings: ROA of 1.41%, up 5 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.41% of loans (+25 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.87%, down 53 bps from a year ago.
  • Funding: loans stand at 81.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+18 bps YoY

Efficiency Ratio (YTD, annualized)

51.02%+25 bps YoY

Tier 1 Leverage Ratio

11.87%-53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.39%1.43%1.44%1.41%+5 bps
Return on Equity12.47%12.68%13.22%13.63%13.30%+83 bps
Net Interest Margin3.69%3.69%3.67%3.78%3.87%+18 bps
Efficiency Ratio50.76%50.30%49.62%51.19%51.02%+25 bps
Non-Interest Burden1.75%1.74%1.70%1.82%1.83%+8 bps
Growth
Asset Growth (YoY)4.31%5.99%8.55%5.17%8.99%+468 bps
Loan Growth (YoY)6.80%4.32%4.05%-1.69%2.36%-444 bps
Deposit Growth (YoY)6.87%8.21%7.88%4.93%9.55%+268 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.30%0.55%1.11%0.41%+25 bps
Net Charge-Offs / Loans0.07%0.11%0.08%-0.01%0.02%-5 bps
Allowance / Loans1.16%1.14%1.20%1.24%1.23%+7 bps
Allowance Coverage of NPLs7.2x3.7x2.2x1.1x3.0x-4.3x
Capital
Tier 1 Leverage Ratio12.40%11.69%11.13%11.49%11.87%-53 bps
Total Risk-Based Capital16.97%16.18%16.04%16.87%16.86%-11 bps
Equity / Assets11.42%10.86%10.46%10.62%10.82%-61 bps
Liquidity & Funding
Loans / Deposits87.02%85.64%83.02%80.02%81.31%-571 bps
Liquid Assets / Assets5.27%6.96%10.45%12.66%11.06%+579 bps
CRE / Total Capitaln/a395%396%373%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

Belmont Bank & Trust Company

Chicago, IL · Cert 58165 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Belmont Financial Group Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$1.1BAssets
$752.2MLoans
$925.1MDeposits
$113.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 31).
  • Widest gap: return on equity trails 61% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 19 of 31).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.39%

Rank 16 of 31

Net Interest Margin

3.87%

Rank 6 of 31

Efficiency Ratio

51.02%

Rank 18 of 31

Equity / Assets

10.82%

Rank 9 of 31

Non-interest income vs. expense

$3.0M$22.1MINCOMEEXPENSE
Unfavorable gap of $19.1M · efficiency ratio beats 45% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 51.02%Peer median 50.7%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%1.15%1.39%1.64%Beats 48%16 / 31
Return on Equity12.86%11.05%13.35%16.66%Beats 39%19 / 31
Net Interest Margin3.87%3.00%3.28%3.75%Beats 81%6 / 31
Efficiency Ratio51.02%37.25%50.71%61.60%Beats 45%18 / 31
Asset Quality
Nonperforming Loans / Loans0.41%0.18%0.41%1.00%Beats 52%16 / 31
Net Charge-Offs / Loans0.02%0.00%0.04%0.11%Beats 74%9 / 31
Capital
Tier 1 Capital Ratio15.68%10.88%11.50%13.72%Beats 90%3 / 31
Total Risk-Based Capital Ratio16.86%11.53%12.02%14.77%Beats 90%3 / 31
Equity / Assets10.82%8.90%10.15%11.24%Beats 71%9 / 31
Liquidity & Funding
Loans / Deposits81.31%80.56%87.67%94.53%29th pctl22 / 31
Loans / Assets71.60%67.81%73.77%76.85%39th pctl19 / 31
Brokered Deposits / Depositsn/aNot reported for this institution