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Goodfield State Bank

Goodfield, IL · Cert 11699 · Goodfield Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

95

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

Goodfield State Bank

Goodfield, IL · Cert 11699 · Goodfield Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$285.5MAssets
$223.7MLoans
$250.1MDeposits
$29.0MEquity
Loan mix
76%RE $158.0M21%C&I $43.2M3%Consumer $6.1MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $220.8M12%Noninterest $29.3MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.60%Q2 ’255.67%Q2 ’26+11%+5%

Non-interest income vs. expense

2.28%Q2 ’242.22%Q2 ’252.01%Q2 ’26+3%-10%

Market Position · Peoria, IL · 2026 SOD (annual) · 2.5% share · #8 of 35 inst. · $0.3B of $10.0B

22.1% Woodford
0.5% Tazewell
4.3% Marshall

Executive Summary

  • Earnings: ROA of 2.14%, up 26 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 2.59% of loans (+213 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.58%, down 105 bps from a year ago.
  • Funding: loans stand at 89.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.14%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+18 bps YoY

Efficiency Ratio (YTD, annualized)

41.64%-557 bps YoY

Tier 1 Leverage Ratio

10.58%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.94%1.83%1.98%2.14%+26 bps
Return on Equity17.71%18.18%17.33%19.45%21.06%+335 bps
Net Interest Margin3.78%3.76%3.65%3.93%3.96%+18 bps
Efficiency Ratio47.21%46.52%49.68%45.73%41.64%-557 bps
Non-Interest Burden1.30%1.25%1.37%1.30%1.17%-12 bps
Growth
Asset Growth (YoY)14.90%12.26%18.62%23.73%19.42%+452 bps
Loan Growth (YoY)16.90%16.07%14.47%12.03%10.41%-649 bps
Deposit Growth (YoY)14.21%10.42%17.25%22.72%19.70%+549 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.70%1.11%1.45%2.59%+213 bps
Net Charge-Offs / Loans0.07%-0.01%0.03%0.00%0.00%-7 bps
Allowance / Loans1.10%1.16%1.14%1.16%1.13%+4 bps
Allowance Coverage of NPLs2.4x1.7x1.0x0.8x0.4x-1.9x
Capital
Tier 1 Leverage Ratio11.63%11.56%11.13%10.78%10.58%-105 bps
Total Risk-Based Capital14.87%14.80%14.77%15.43%10.58%-429 bps
Equity / Assets10.48%10.86%10.17%10.13%10.16%-32 bps
Liquidity & Funding
Loans / Deposits96.99%96.41%86.67%85.17%89.47%-752 bps
Liquid Assets / Assets0.71%1.17%10.77%12.25%8.72%+801 bps
CRE / Total Capitaln/a226%219%214%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

Goodfield State Bank

Goodfield, IL · Cert 11699 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Goodfield Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$285.5MAssets
$223.7MLoans
$250.1MDeposits
$29.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets operating in a single state (rank 23 of 746).
  • Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets operating in a single state (rank 690 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.11%

Rank 31 of 746

Net Interest Margin

3.96%

Rank 261 of 746

Efficiency Ratio

41.93%

Rank 35 of 746

Equity / Assets

10.16%

Rank 406 of 746

Non-interest income vs. expense

$2.4M$5.8MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state
Bank 41.93%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.11%0.72%1.06%1.45%Beats 96%31 / 746
Return on Equity20.75%6.74%10.51%13.63%Beats 97%23 / 746
Net Interest Margin3.96%3.17%3.68%4.16%Beats 65%261 / 746
Efficiency Ratio41.93%55.74%64.58%75.47%Beats 95%35 / 746
Asset Quality
Nonperforming Loans / Loans2.59%0.09%0.42%1.07%Beats 7%690 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 73%207 / 743
Capital
Tier 1 Capital Ratio10.58%11.55%13.75%17.60%Beats 15%635 / 746
Total Risk-Based Capital Ratio10.58%11.71%14.33%18.43%Beats 14%645 / 746
Equity / Assets10.16%8.90%10.51%13.06%Beats 46%406 / 746
Liquidity & Funding
Loans / Deposits89.47%61.31%78.27%90.78%73rd pctl204 / 746
Loans / Assets78.36%53.60%66.97%76.08%80th pctl146 / 746
Brokered Deposits / Depositsn/aNot reported for this institution