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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 $5.1MQ3 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