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Granville National Bank, The

Granville, IL · Cert 13983 · Granville Bancshares Inc.

National charter · OCC · 2 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

76

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

Granville National Bank, The

Granville, IL · Cert 13983 · Granville Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$118.4MAssets
$54.1MLoans
$105.1MDeposits
$12.7MEquity
Loan mix
70%RE $34.8M17%C&I $8.5M13%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $85.6M19%Noninterest $19.5MQ2 2025Q2 2026

NIM

3.41%Q2 ’243.86%Q2 ’254.15%Q2 ’26+21%+11%

Non-interest income vs. expense

1.87%Q2 ’241.94%Q2 ’251.85%Q2 ’26+6%-8%

Executive Summary

  • Earnings: ROA of 1.17%, up 40 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 2.21% of loans (+190 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.10%, up 29 bps from a year ago.
  • Funding: loans stand at 51.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+32 bps YoY

Efficiency Ratio (YTD, annualized)

54.58%-992 bps YoY

Tier 1 Leverage Ratio

11.10%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.88%0.95%1.02%1.17%+40 bps
Return on Equity8.04%9.02%9.57%9.67%11.07%+303 bps
Net Interest Margin2.86%2.87%2.90%3.12%3.17%+32 bps
Efficiency Ratio64.50%61.17%58.53%58.86%54.58%-992 bps
Non-Interest Burden1.77%1.67%1.60%1.75%1.62%-15 bps
Growth
Asset Growth (YoY)3.78%2.08%4.06%4.12%4.10%+32 bps
Loan Growth (YoY)10.11%9.02%6.21%3.29%4.47%-564 bps
Deposit Growth (YoY)3.26%-0.91%4.05%3.02%3.39%+13 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.57%0.56%0.47%2.21%+190 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.01%-0.01%0.01%+2 bps
Allowance / Loans1.29%1.30%1.31%1.32%1.32%+4 bps
Allowance Coverage of NPLs4.1x2.3x2.3x2.8x0.6x-3.5x
Capital
Tier 1 Leverage Ratio10.81%10.73%10.83%10.95%11.10%+29 bps
Total Risk-Based Capital10.81%10.73%10.83%10.95%11.10%+29 bps
Equity / Assets10.00%10.34%10.69%10.37%10.76%+76 bps
Liquidity & Funding
Loans / Deposits50.94%52.48%51.23%51.06%51.48%+53 bps
Liquid Assets / Assets3.84%2.91%3.10%2.44%2.24%-159 bps
CRE / Total Capitaln/a66.65%65.55%65.04%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

Granville National Bank, The

Granville, IL · Cert 13983 · Peer group: banks under $1B in assets in IL (n=149-151) · Granville Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$118.4MAssets
$54.1MLoans
$105.1MDeposits
$12.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 76% of banks under $1B in assets in IL (rank 37 of 151).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in IL (rank 131 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.17%

Rank 61 of 151

Net Interest Margin

3.17%

Rank 103 of 151

Efficiency Ratio

54.58%

Rank 37 of 151

Equity / Assets

10.76%

Rank 70 of 151

Non-interest income vs. expense

$0.3M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 76% of banks under $1B in assets in IL
Bank 54.58%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.70%1.03%1.34%Beats 60%61 / 151
Return on Equity10.86%6.74%9.34%12.94%Beats 64%55 / 151
Net Interest Margin3.17%3.02%3.43%3.83%Beats 32%103 / 151
Efficiency Ratio54.58%54.64%64.89%72.50%Beats 76%37 / 151
Asset Quality
Nonperforming Loans / Loans2.21%0.20%0.66%1.77%Beats 18%123 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 68%49 / 149
Capital
Tier 1 Capital Ratio11.10%11.83%14.17%18.66%Beats 16%127 / 151
Total Risk-Based Capital Ratio11.10%12.22%14.54%19.92%Beats 13%131 / 151
Equity / Assets10.76%9.10%10.65%12.40%Beats 54%70 / 151
Liquidity & Funding
Loans / Deposits51.48%54.39%71.02%80.75%18th pctl122 / 149
Loans / Assets45.73%45.91%61.31%68.01%23rd pctl116 / 151
Brokered Deposits / Depositsn/aNot reported for this institution