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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 $12.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $150.6M26%Noninterest $52.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%1.05%1.19%1.18%1.23%+82 bps
Return on Equity3.71%9.74%11.05%11.25%11.75%+804 bps
Net Interest Margin0.94%2.09%2.75%4.40%4.27%+333 bps
Efficiency Ratio70.21%59.12%62.81%66.21%64.89%-532 bps
Non-Interest Burden0.63%1.15%1.62%2.75%2.62%+199 bps
Growth
Asset Growth (YoY)260%253%236%274%7.56%-25,225 bps
Loan Growth (YoY)327%356%413%440%15.59%-31,106 bps
Deposit Growth (YoY)280%265%242%285%8.12%-27,202 bps
Asset Quality
Nonperforming Loans / Loans1.10%0.49%1.33%0.36%0.60%-50 bps
Net Charge-Offs / Loans0.07%0.06%0.07%0.02%0.01%-7 bps
Allowance / Loans1.20%1.20%1.17%1.14%1.11%-9 bps
Allowance Coverage of NPLs1.1x2.5x0.9x3.2x1.8x+0.8x
Capital
Tier 1 Leverage Ratio10.32%10.65%10.90%10.86%10.44%+12 bps
Total Risk-Based Capital10.32%10.65%10.90%10.86%10.44%+12 bps
Equity / Assets10.29%10.67%10.74%10.33%10.28%-1 bps
Liquidity & Funding
Loans / Deposits88.28%91.94%87.69%88.67%94.38%+610 bps
Liquid Assets / Assets2.64%1.49%1.78%5.47%1.89%-75 bps
CRE / Total Capitaln/a70.77%68.37%65.90%n/an/a