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Eagle Valley Bank

Griggsville, IL · Cert 10883 · Griggsville Bancshares 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 under $1B in assets in IL3

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 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.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

50

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

Eagle Valley Bank

Griggsville, IL · Cert 10883 · Griggsville Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$229.6MAssets
$191.6MLoans
$203.0MDeposits
$23.6MEquity
Loan mix
85%RE $141.0M7%C&I $11.8M7%Consumer $12.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $150.6M26%Noninterest $52.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.23%, up 82 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.60% of loans (-50 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.44%, up 12 bps from a year ago.
  • Funding: loans stand at 94.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%+82 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+333 bps YoY

Efficiency Ratio (YTD, annualized)

64.89%-532 bps YoY

Tier 1 Leverage Ratio

10.44%+12 bps YoY

NIM

4.28%Q2 ’241.42%Q2 ’256.21%Q2 ’26-72%+354%

Non-interest income vs. expense

2.82%Q2 ’240.73%Q2 ’253.06%Q2 ’26-76%+315%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.32%0.15%0.40%1.05%1.19%1.18%1.23%+82 bps
Return on Equity2.33%2.51%1.25%3.71%9.74%11.05%11.25%11.75%+804 bps
Net Interest Margin3.32%3.05%2.70%0.94%2.09%2.75%4.40%4.27%+333 bps
Efficiency Ratio81.14%81.80%91.37%70.21%59.12%62.81%66.21%64.89%-532 bps
Non-Interest Burden2.66%2.47%2.45%0.63%1.15%1.62%2.75%2.62%+199 bps
Growth
Asset Growth (YoY)-3.69%4.41%2.20%260%253%236%274%7.56%-25,225 bps
Loan Growth (YoY)-3.55%-13.66%-12.36%327%356%413%440%15.59%-31,106 bps
Deposit Growth (YoY)-3.67%12.17%5.13%280%265%242%285%8.12%-27,202 bps
Asset Quality
Nonperforming Loans / Loans1.25%0.93%0.95%1.10%0.49%1.33%0.36%0.60%-50 bps
Net Charge-Offs / Loans0.01%0.65%-0.12%0.07%0.06%0.07%0.02%0.01%-7 bps
Allowance / Loans1.21%0.77%0.82%1.20%1.20%1.17%1.14%1.11%-9 bps
Allowance Coverage of NPLs1.0x0.8x0.9x1.1x2.5x0.9x3.2x1.8x+0.8x
Capital
Tier 1 Leverage Ratio13.85%12.84%12.56%10.32%10.65%10.90%10.86%10.44%+12 bps
Total Risk-Based Capital13.85%12.84%12.56%10.32%10.65%10.90%10.86%10.44%+12 bps
Equity / Assets13.16%11.58%12.22%10.29%10.67%10.74%10.33%10.28%-1 bps
Liquidity & Funding
Loans / Deposits73.58%58.47%63.26%88.28%91.94%87.69%88.67%94.38%+610 bps
Liquid Assets / Assets4.08%18.51%14.58%2.64%1.49%1.78%5.47%1.89%-75 bps
CRE / Total Capitaln/an/an/an/a70.77%68.37%65.90%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

Eagle Valley Bank

Griggsville, IL · Cert 10883 · Peer group: banks under $1B in assets in IL (n=149-151) · Griggsville Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$229.6MAssets
$191.6MLoans
$203.0MDeposits
$23.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks under $1B in assets in IL (rank 13 of 151).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in IL (rank 142 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.21%

Rank 52 of 151

Net Interest Margin

4.27%

Rank 13 of 151

Efficiency Ratio

64.89%

Rank 76 of 151

Equity / Assets

10.28%

Rank 87 of 151

Non-interest income vs. expense

$1.0M$7.1MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 50% of banks under $1B in assets in IL
Bank 64.89%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.21%0.70%1.03%1.34%Beats 66%52 / 151
Return on Equity11.76%6.74%9.34%12.94%Beats 68%49 / 151
Net Interest Margin4.27%3.02%3.43%3.83%Beats 91%13 / 151
Efficiency Ratio64.89%54.64%64.89%72.50%Beats 50%76 / 151
Asset Quality
Nonperforming Loans / Loans0.60%0.20%0.66%1.77%Beats 53%71 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 64%55 / 149
Capital
Tier 1 Capital Ratio10.44%11.83%14.17%18.66%Beats 7%141 / 151
Total Risk-Based Capital Ratio10.44%12.22%14.54%19.92%Beats 6%142 / 151
Equity / Assets10.28%9.10%10.65%12.40%Beats 42%87 / 151
Liquidity & Funding
Loans / Deposits94.38%54.39%71.02%80.75%93rd pctl10 / 149
Loans / Assets83.42%45.91%61.31%68.01%97th pctl4 / 151
Brokered Deposits / Depositsn/aNot reported for this institution