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Danville State Savings Bank

New London, IA · Cert 14772 · Danville Bancshares Inc.

State charter, non-member · FDIC · 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 IA3

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 IA (n=134 to 135). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

13

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

Danville State Savings Bank

New London, IA · Cert 14772 · Danville Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$182.6MAssets
$106.9MLoans
$159.0MDeposits
$22.7MEquity
Loan mix
86%RE $86.0M9%C&I $9.0M5%Consumer $5.1MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $135.5M15%Noninterest $23.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.72%, up 19 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 2.27% of loans (-162 bps YoY), with net charge-offs at 1.12%.
  • Capital: tier 1 leverage ratio of 12.38%, down 7 bps from a year ago.
  • Funding: loans stand at 67.25% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.72%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+34 bps YoY

Efficiency Ratio (YTD, annualized)

71.44%-609 bps YoY

Tier 1 Leverage Ratio

12.38%-7 bps YoY

NIM

3.71%Q2 ’244.00%Q2 ’254.32%Q2 ’26+8%+14%

Non-interest income vs. expense

2.95%Q2 ’243.09%Q2 ’253.12%Q2 ’26+2%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.38%0.48%0.53%0.61%0.57%0.63%0.72%+19 bps
Return on Equity3.33%3.02%3.84%4.25%4.87%4.52%5.01%5.73%+148 bps
Net Interest Margin2.32%2.34%2.39%2.45%2.50%2.54%2.69%2.79%+34 bps
Efficiency Ratio80.71%81.88%79.68%77.53%75.75%76.04%75.18%71.44%-609 bps
Non-Interest Burden1.67%1.73%1.66%1.65%1.60%1.65%1.68%1.64%0 bps
Growth
Asset Growth (YoY)0.83%2.25%1.27%3.07%2.08%1.05%5.33%3.08%+1 bps
Loan Growth (YoY)-0.08%1.06%0.43%4.06%4.39%2.91%2.77%0.28%-377 bps
Deposit Growth (YoY)-0.47%1.90%1.28%3.39%2.20%0.73%5.63%3.15%-24 bps
Asset Quality
Nonperforming Loans / Loans2.24%2.71%4.15%3.90%2.80%2.45%2.47%2.27%-162 bps
Net Charge-Offs / Loans0.29%0.22%0.08%0.06%0.09%0.08%0.06%1.12%+106 bps
Allowance / Loans1.04%1.08%1.12%1.15%1.16%1.28%1.39%0.93%-22 bps
Allowance Coverage of NPLs0.5x0.4x0.3x0.3x0.4x0.5x0.6x0.4x+0.1x
Capital
Tier 1 Leverage Ratio13.00%13.09%12.21%12.45%12.56%12.62%12.21%12.38%-7 bps
Total Risk-Based Capital13.00%13.09%12.21%12.45%12.56%12.62%12.21%12.38%-7 bps
Equity / Assets13.04%12.69%12.43%12.47%12.91%12.98%12.18%12.44%-3 bps
Liquidity & Funding
Loans / Deposits69.38%68.24%68.48%69.17%70.87%69.71%66.63%67.25%-193 bps
Liquid Assets / Assets20.54%20.67%20.99%18.54%19.31%19.51%20.63%20.37%+183 bps
CRE / Total Capitaln/an/an/an/a89.63%79.20%80.86%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

Danville State Savings Bank

New London, IA · Cert 14772 · Peer group: banks under $1B in assets in IA (n=134-135) · Danville Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$182.6MAssets
$106.9MLoans
$159.0MDeposits
$22.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 67% of banks under $1B in assets in IA (rank 44 of 135).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in IA (rank 132 of 134).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.71%

Rank 116 of 135

Net Interest Margin

2.79%

Rank 110 of 135

Efficiency Ratio

73.19%

Rank 119 of 135

Equity / Assets

12.44%

Rank 44 of 135

Non-interest income vs. expense

$2.7M$5.8MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 13% of banks under $1B in assets in IA
Bank 73.19%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.71%0.92%1.19%1.47%Beats 14%116 / 135
Return on Equity5.73%7.99%10.26%13.14%Beats 10%122 / 135
Net Interest Margin2.79%2.95%3.41%3.73%Beats 19%110 / 135
Efficiency Ratio73.19%50.61%57.35%63.29%Beats 13%119 / 135
Asset Quality
Nonperforming Loans / Loans2.27%0.03%0.51%1.26%Beats 10%122 / 134
Net Charge-Offs / Loans0.56%n/a0.01%0.03%Beats 2%132 / 134
Capital
Tier 1 Capital Ratio12.38%11.23%13.31%15.45%Beats 36%86 / 135
Total Risk-Based Capital Ratio12.38%11.61%14.06%16.47%Beats 30%94 / 135
Equity / Assets12.44%9.87%11.05%13.07%Beats 67%44 / 135
Liquidity & Funding
Loans / Deposits67.25%68.54%81.55%91.24%22nd pctl104 / 134
Loans / Assets58.54%57.61%68.06%76.23%27th pctl99 / 135
Brokered Deposits / Depositsn/aNot reported for this institution