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Town Center Bank

Frankfort, IL · Cert 58214 · TC Financial Holdings 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

46

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 2026-10-10

Town Center Bank

Frankfort, IL · Cert 58214 · TC Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$180.6MAssets
$142.2MLoans
$138.3MDeposits
$20.4MEquity
Loan mix
79%RE $106.7M19%C&I $25.1M2%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $106.5M23%Noninterest $31.7MQ2 2025Q2 2026

NIM

6.04%Q2 ’245.84%Q2 ’255.87%Q2 ’26-14%+4%

Non-interest income vs. expense

3.15%Q2 ’242.85%Q2 ’253.04%Q2 ’26-12%+8%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #108 of 147 inst. · $0.1B of $630.7B

Executive Summary

  • Earnings: ROA of 0.25%, down 57 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.87%.
  • Capital: tier 1 leverage ratio of 11.38%, down 1 bps from a year ago.
  • Funding: loans stand at 102.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+14 bps YoY

Efficiency Ratio (YTD, annualized)

72.95%+214 bps YoY

Tier 1 Leverage Ratio

11.38%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.89%0.92%0.70%0.25%-57 bps
Return on Equity7.11%7.69%8.03%6.03%2.19%-492 bps
Net Interest Margin3.73%3.83%3.80%3.76%3.87%+14 bps
Efficiency Ratio70.80%68.73%67.39%73.87%72.95%+214 bps
Non-Interest Burden2.53%2.51%2.44%2.68%2.72%+19 bps
Growth
Asset Growth (YoY)5.66%3.03%8.51%3.67%11.22%+556 bps
Loan Growth (YoY)5.06%8.86%11.95%17.41%13.25%+818 bps
Deposit Growth (YoY)5.45%-2.12%7.49%3.52%14.00%+855 bps
Asset Quality
Nonperforming Loans / Loans0.00%2.36%2.27%2.23%0.00%0 bps
Net Charge-Offs / Loans0.06%0.04%0.04%-0.01%0.87%+82 bps
Allowance / Loans1.12%1.12%1.09%1.11%1.06%-6 bps
Allowance Coverage of NPLsn/a0.5x0.5x0.5xn/an/a
Capital
Tier 1 Leverage Ratio11.39%11.62%11.54%11.38%11.38%-1 bps
Total Risk-Based Capital14.47%14.25%14.27%13.97%13.16%-130 bps
Equity / Assets11.96%11.73%11.33%11.75%11.31%-64 bps
Liquidity & Funding
Loans / Deposits103.48%105.31%98.45%101.59%102.79%-69 bps
Liquid Assets / Assets6.06%7.73%12.41%9.26%6.73%+66 bps
CRE / Total Capitaln/a434%438%446%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 2026-10-10

Town Center Bank

Frankfort, IL · Cert 58214 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · TC Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$180.6MAssets
$142.2MLoans
$138.3MDeposits
$20.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 56).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.25%

Rank 47 of 57

Net Interest Margin

3.87%

Rank 21 of 57

Efficiency Ratio

72.95%

Rank 32 of 57

Equity / Assets

11.31%

Rank 31 of 57

Non-interest income vs. expense

$0.6M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 46% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 72.95%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.25%0.51%0.84%1.19%Beats 18%47 / 57
Return on Equity2.19%3.13%7.76%11.40%Beats 23%44 / 57
Net Interest Margin3.87%3.16%3.63%4.08%Beats 63%21 / 57
Efficiency Ratio72.95%59.57%69.70%81.06%Beats 46%32 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.45%n/a0.00%0.01%Beats 4%55 / 56
Capital
Tier 1 Capital Ratio12.24%12.24%16.06%19.69%Beats 25%43 / 57
Total Risk-Based Capital Ratio13.16%12.54%16.50%20.95%Beats 30%40 / 57
Equity / Assets11.31%9.37%11.56%15.00%Beats 46%31 / 57
Liquidity & Funding
Loans / Deposits102.79%66.29%85.59%95.16%86th pctl8 / 57
Loans / Assets78.69%57.07%71.07%78.13%77th pctl13 / 57
Brokered Deposits / Depositsn/aNot reported for this institution