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Petefish, Skiles & Company

Virginia, IL · Cert 10829 · Petefish Skiles Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$501.6MAssets
$355.1MLoans
$439.8MDeposits
$47.4MEquity
Loan mix
81%RE $228.7M10%C&I $28.2M9%Consumer $24.6MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $360.9M18%Noninterest $78.9MQ2 2025Q2 2026

NIM

4.68%Q2 ’245.27%Q2 ’255.30%Q2 ’26+29%0%

Non-interest income vs. expense

2.54%Q2 ’243.02%Q2 ’253.01%Q2 ’26+24%-5%

Market Position · Springfield, IL · 2026 SOD (annual) · 0.7% share · #21 of 26 inst. · $0.1B of $9.8B

40.5% Cass
8.2% Morgan
17.9% Menard
30.7% Scott

Executive Summary

  • Earnings: ROA of 1.46%, up 13 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.14% of loans (-10 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.12%, down 21 bps from a year ago.
  • Funding: loans stand at 80.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.46%+13 bps YoY

Net Interest Margin (quarter, annualized)

4.11%-2 bps YoY

Efficiency Ratio (quarter, annualized)

60.10%-140 bps YoY

Tier 1 Leverage Ratio

9.12%-21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.27%0.88%1.31%1.46%+13 bps
Return on Equity14.01%12.85%8.92%14.18%15.82%+181 bps
Net Interest Margin4.13%4.16%4.14%4.04%4.11%-2 bps
Efficiency Ratio61.50%59.91%61.91%62.41%60.10%-140 bps
Non-Interest Burden2.30%2.23%2.31%2.31%2.18%-12 bps
Growth
Asset Growth (YoY)51.69%53.51%3.30%3.95%7.11%-4,458 bps
Loan Growth (YoY)49.96%52.41%8.09%8.71%10.75%-3,921 bps
Deposit Growth (YoY)50.48%51.25%2.80%5.37%6.72%-4,376 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.21%0.18%0.08%0.14%-10 bps
Net Charge-Offs / Loans0.32%0.01%0.02%0.03%-0.01%-33 bps
Allowance / Loans0.79%0.86%1.00%1.00%0.95%+17 bps
Allowance Coverage of NPLs3.3x4.0x5.5x11.9x7.0x+3.7x
Capital
Tier 1 Leverage Ratio9.33%9.52%8.90%8.89%9.12%-21 bps
Total Risk-Based Capital9.33%9.52%8.90%8.89%9.12%-21 bps
Equity / Assets9.61%10.14%9.52%8.98%9.45%-15 bps
Liquidity & Funding
Loans / Deposits77.81%81.45%81.53%76.05%80.75%+294 bps
Liquid Assets / Assets7.11%4.20%3.81%10.51%7.33%+21 bps
CRE / Total Capitaln/a80.87%85.72%86.63%n/an/a