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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

$182.6MAssets
$106.9MLoans
$159.0MDeposits
$22.7MEquity
Loan mix
86%RE $86.0M9%C&I $9.0M5%Consumer $5.1MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $135.5M15%Noninterest $23.5MQ2 2025Q2 2026

NIM

3.78%Q2 ’244.08%Q2 ’254.46%Q2 ’26+9%+17%

Non-interest income vs. expense

2.80%Q2 ’242.97%Q2 ’252.93%Q2 ’26+2%0%

Executive Summary

  • Earnings: ROA of 0.80%, up 22 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 2.27% of loans (-162 bps YoY), with net charge-offs at 2.19%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.80%+22 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+41 bps YoY

Efficiency Ratio (quarter, annualized)

67.64%-770 bps YoY

Tier 1 Leverage Ratio

12.38%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.78%0.45%0.63%0.80%+22 bps
Return on Equity4.70%6.12%3.47%5.01%6.51%+181 bps
Net Interest Margin2.51%2.66%2.70%2.69%2.92%+41 bps
Efficiency Ratio75.34%72.57%76.89%75.18%67.64%-770 bps
Non-Interest Burden1.63%1.55%1.82%1.68%1.62%-1 bps
Growth
Asset Growth (YoY)3.07%2.08%1.05%5.33%3.08%+1 bps
Loan Growth (YoY)4.06%4.39%2.91%2.77%0.28%-377 bps
Deposit Growth (YoY)3.39%2.20%0.73%5.63%3.15%-24 bps
Asset Quality
Nonperforming Loans / Loans3.90%2.80%2.45%2.47%2.27%-162 bps
Net Charge-Offs / Loans0.04%0.15%0.03%0.06%2.19%+215 bps
Allowance / Loans1.15%1.16%1.28%1.39%0.93%-22 bps
Allowance Coverage of NPLs0.3x0.4x0.5x0.6x0.4x+0.1x
Capital
Tier 1 Leverage Ratio12.45%12.56%12.62%12.21%12.38%-7 bps
Total Risk-Based Capital12.45%12.56%12.62%12.21%12.38%-7 bps
Equity / Assets12.47%12.91%12.98%12.18%12.44%-3 bps
Liquidity & Funding
Loans / Deposits69.17%70.87%69.71%66.63%67.25%-193 bps
Liquid Assets / Assets18.54%19.31%19.51%20.63%20.37%+183 bps
CRE / Total Capitaln/a89.63%79.20%80.86%n/an/a