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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

3.50%Q2 ’243.90%Q2 ’254.23%Q2 ’26+17%+13%

Non-interest income vs. expense

1.80%Q2 ’241.82%Q2 ’251.79%Q2 ’26+3%-9%

Executive Summary

  • Earnings: ROA of 1.33%, up 51 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 2.21% of loans (+190 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.33%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.26%+37 bps YoY

Efficiency Ratio (quarter, annualized)

50.66%-906 bps YoY

Tier 1 Leverage Ratio

11.10%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%1.10%1.16%1.02%1.33%+51 bps
Return on Equity8.32%10.86%11.02%9.67%12.55%+423 bps
Net Interest Margin2.89%3.03%3.08%3.12%3.26%+37 bps
Efficiency Ratio59.72%55.08%51.43%58.86%50.66%-906 bps
Non-Interest Burden1.64%1.57%1.44%1.75%1.50%-14 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%-0.04%0.01%-0.01%0.02%+3 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