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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