Virginia, IL · Cert 10829 · Petefish Skiles Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
68
Profitability
82
Liquidity
47
Efficiency
55
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.
Virginia, IL · Cert 10829 · Petefish Skiles Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 0.7% share · #21 of 26 inst. · $0.1B of $9.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.80% | 1.30% | 1.32% | 1.31% | 1.20% | 1.31% | 1.39% | +7 bps | |
| Return on Equity | 12.44% | 22.04% | 13.83% | 13.97% | 13.55% | 12.47% | 14.18% | 14.94% | +96 bps | |
| Net Interest Margin | 3.20% | 3.99% | 4.00% | 4.06% | 4.13% | 4.06% | 4.04% | 4.04% | -2 bps | |
| Efficiency Ratio | 65.17% | 61.08% | 60.86% | 61.19% | 60.75% | 61.05% | 62.41% | 61.21% | +3 bps | |
| Non-Interest Burden | 1.83% | 2.23% | 2.20% | 2.25% | 2.26% | 2.24% | 2.31% | 2.23% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.45% | 53.89% | 55.14% | 51.69% | 53.51% | 3.30% | 3.95% | 7.11% | -4,458 bps | |
| Loan Growth (YoY) | 15.44% | 53.74% | 49.60% | 49.96% | 52.41% | 8.09% | 8.71% | 10.75% | -3,921 bps | |
| Deposit Growth (YoY) | -1.64% | 52.23% | 50.00% | 50.48% | 51.25% | 2.80% | 5.37% | 6.72% | -4,376 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.53% | 0.41% | 0.24% | 0.21% | 0.18% | 0.08% | 0.14% | -10 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.10% | 0.03% | 0.18% | 0.12% | 0.09% | 0.03% | 0.01% | -17 bps | |
| Allowance / Loans | 0.73% | 0.84% | 0.87% | 0.79% | 0.86% | 1.00% | 1.00% | 0.95% | +17 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.6x | 2.1x | 3.3x | 4.0x | 5.5x | 11.9x | 7.0x | +3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.38% | 9.28% | 9.40% | 9.33% | 9.52% | 8.90% | 8.89% | 9.12% | -21 bps | |
| Total Risk-Based Capital | 9.38% | 9.28% | 9.40% | 9.33% | 9.52% | 8.90% | 8.89% | 9.12% | -21 bps | |
| Equity / Assets | 8.56% | 9.45% | 9.38% | 9.61% | 10.14% | 9.52% | 8.98% | 9.45% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.83% | 77.53% | 73.72% | 77.81% | 81.45% | 81.53% | 76.05% | 80.75% | +294 bps | |
| Liquid Assets / Assets | 4.68% | 4.84% | 12.01% | 7.11% | 4.20% | 3.81% | 10.51% | 7.33% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 80.87% | 85.72% | 86.63% | n/a | n/a | |
Virginia, IL · Cert 10829 · Peer group: banks under $1B in assets in IL (n=149-151) · Petefish Skiles Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.37%
Rank 36 of 151
Net Interest Margin
4.04%
Rank 24 of 151
Efficiency Ratio
62.97%
Rank 69 of 151
Equity / Assets
9.45%
Rank 104 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.70% | 1.03% | 1.34% | Beats 76% | 36 / 151 | ||
| Return on Equity | 14.46% | 6.74% | 9.34% | 12.94% | Beats 85% | 22 / 151 | ||
| Net Interest Margin | 4.04% | 3.02% | 3.43% | 3.83% | Beats 84% | 24 / 151 | ||
| Efficiency Ratio | 62.97% | 54.64% | 64.89% | 72.50% | Beats 55% | 69 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.20% | 0.66% | 1.77% | Beats 81% | 30 / 149 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 54% | 70 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.12% | 11.83% | 14.17% | 18.66% | Beats 1% | 150 / 151 | ||
| Total Risk-Based Capital Ratio | 9.12% | 12.22% | 14.54% | 19.92% | Beats 1% | 150 / 151 | ||
| Equity / Assets | 9.45% | 9.10% | 10.65% | 12.40% | Beats 31% | 104 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.75% | 54.39% | 71.02% | 80.75% | 74th pctl | 38 / 149 | ||
| Loans / Assets | 70.79% | 45.91% | 61.31% | 68.01% | 82nd pctl | 27 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||