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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 $24.6MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $360.9M18%Noninterest $78.9MQ3 2024Q2 2026

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 1.39%, up 7 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.14% of loans (-10 bps YoY), with net charge-offs at 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.

Return on Assets (YTD, annualized)

1.39%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-2 bps YoY

Efficiency Ratio (YTD, annualized)

61.21%+3 bps YoY

Tier 1 Leverage Ratio

9.12%-21 bps YoY

NIM

4.54%Q2 ’245.18%Q2 ’255.21%Q2 ’26+30%-1%

Non-interest income vs. expense

2.47%Q2 ’242.96%Q2 ’252.97%Q2 ’26+25%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.80%1.30%1.32%1.31%1.20%1.31%1.39%+7 bps
Return on Equity12.44%22.04%13.83%13.97%13.55%12.47%14.18%14.94%+96 bps
Net Interest Margin3.20%3.99%4.00%4.06%4.13%4.06%4.04%4.04%-2 bps
Efficiency Ratio65.17%61.08%60.86%61.19%60.75%61.05%62.41%61.21%+3 bps
Non-Interest Burden1.83%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 / Loans0.55%0.53%0.41%0.24%0.21%0.18%0.08%0.14%-10 bps
Net Charge-Offs / Loans0.18%0.10%0.03%0.18%0.12%0.09%0.03%0.01%-17 bps
Allowance / Loans0.73%0.84%0.87%0.79%0.86%1.00%1.00%0.95%+17 bps
Allowance Coverage of NPLs1.3x1.6x2.1x3.3x4.0x5.5x11.9x7.0x+3.7x
Capital
Tier 1 Leverage Ratio9.38%9.28%9.40%9.33%9.52%8.90%8.89%9.12%-21 bps
Total Risk-Based Capital9.38%9.28%9.40%9.33%9.52%8.90%8.89%9.12%-21 bps
Equity / Assets8.56%9.45%9.38%9.61%10.14%9.52%8.98%9.45%-15 bps
Liquidity & Funding
Loans / Deposits80.83%77.53%73.72%77.81%81.45%81.53%76.05%80.75%+294 bps
Liquid Assets / Assets4.68%4.84%12.01%7.11%4.20%3.81%10.51%7.33%+21 bps
CRE / Total Capitaln/an/an/an/a80.87%85.72%86.63%n/an/a