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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 $6.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $85.6M19%Noninterest $19.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.71%0.72%0.77%0.88%0.95%1.02%1.17%+40 bps
Return on Equity7.08%8.06%7.74%8.04%9.02%9.57%9.67%11.07%+303 bps
Net Interest Margin2.39%2.46%2.82%2.86%2.87%2.90%3.12%3.17%+32 bps
Efficiency Ratio70.17%67.25%69.40%64.50%61.17%58.53%58.86%54.58%-992 bps
Non-Interest Burden1.61%1.56%1.89%1.77%1.67%1.60%1.75%1.62%-15 bps
Growth
Asset Growth (YoY)4.27%-1.48%0.47%3.78%2.08%4.06%4.12%4.10%+32 bps
Loan Growth (YoY)8.06%6.81%10.28%10.11%9.02%6.21%3.29%4.47%-564 bps
Deposit Growth (YoY)1.26%-1.32%0.96%3.26%-0.91%4.05%3.02%3.39%+13 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.41%0.50%0.32%0.57%0.56%0.47%2.21%+190 bps
Net Charge-Offs / Loans0.04%0.21%-0.02%-0.01%-0.02%-0.01%-0.01%0.01%+2 bps
Allowance / Loans1.42%1.20%1.17%1.29%1.30%1.31%1.32%1.32%+4 bps
Allowance Coverage of NPLs3.3x2.9x2.4x4.1x2.3x2.3x2.8x0.6x-3.5x
Capital
Tier 1 Leverage Ratio10.26%10.38%10.67%10.81%10.73%10.83%10.95%11.10%+29 bps
Total Risk-Based Capital10.26%10.38%10.67%10.81%10.73%10.83%10.95%11.10%+29 bps
Equity / Assets9.51%9.14%9.56%10.00%10.34%10.69%10.37%10.76%+76 bps
Liquidity & Funding
Loans / Deposits47.70%50.19%50.92%50.94%52.48%51.23%51.06%51.48%+53 bps
Liquid Assets / Assets4.67%4.56%4.29%3.84%2.91%3.10%2.44%2.24%-159 bps
CRE / Total Capitaln/an/an/an/a66.65%65.55%65.04%n/an/a