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Milledgeville State Bank

Milledgeville, IL · Cert 15873 · Milledgeville Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 IL (n=149 to 151). 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

85

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

Milledgeville State Bank

Milledgeville, IL · Cert 15873 · Milledgeville Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$215.2MAssets
$140.0MLoans
$170.6MDeposits
$20.2MEquity
Loan mix
63%RE $61.0M36%C&I $35.2M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $148.2M13%Noninterest $22.5MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.27%Q2 ’255.44%Q2 ’26-4%+17%

Non-interest income vs. expense

1.49%Q2 ’241.48%Q2 ’251.55%Q2 ’26+1%+7%

Executive Summary

  • Earnings: ROA of 0.64%, down 20 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.28% of loans (-52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.48%, down 92 bps from a year ago.
  • Funding: loans stand at 82.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+42 bps YoY

Efficiency Ratio (YTD, annualized)

51.64%-499 bps YoY

Tier 1 Leverage Ratio

10.48%-92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.85%0.85%0.78%0.64%-20 bps
Return on Equity8.99%9.00%8.97%8.22%6.73%-226 bps
Net Interest Margin2.44%2.47%2.45%2.79%2.86%+42 bps
Efficiency Ratio56.62%55.60%54.75%56.57%51.64%-499 bps
Non-Interest Burden1.31%1.30%1.26%1.52%1.40%+9 bps
Growth
Asset Growth (YoY)7.50%10.44%10.43%13.60%11.01%+351 bps
Loan Growth (YoY)9.48%15.64%16.06%22.44%16.06%+658 bps
Deposit Growth (YoY)13.07%12.56%9.14%14.00%10.61%-246 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.30%0.28%0.00%0.28%-52 bps
Net Charge-Offs / Loans0.00%0.38%0.27%0.00%0.00%0 bps
Allowance / Loans0.98%0.72%0.81%0.90%1.28%+30 bps
Allowance Coverage of NPLs1.2x2.4x2.9xn/a4.6x+3.4x
Capital
Tier 1 Leverage Ratio11.40%11.15%10.87%10.55%10.48%-92 bps
Total Risk-Based Capital15.87%15.08%14.93%14.75%14.86%-100 bps
Equity / Assets9.32%9.67%9.71%9.33%9.40%+9 bps
Liquidity & Funding
Loans / Deposits78.20%80.03%83.07%81.99%82.06%+386 bps
Liquid Assets / Assets5.45%5.01%4.22%4.14%4.43%-102 bps
CRE / Total Capitaln/a64.09%69.60%67.26%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

Milledgeville State Bank

Milledgeville, IL · Cert 15873 · Peer group: banks under $1B in assets in IL (n=149-151) · Milledgeville Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$215.2MAssets
$140.0MLoans
$170.6MDeposits
$20.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets in IL (rank 127 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.63%

Rank 121 of 151

Net Interest Margin

2.86%

Rank 127 of 151

Efficiency Ratio

51.64%

Rank 24 of 151

Equity / Assets

9.40%

Rank 107 of 151

Non-interest income vs. expense

$0.3M$3.3MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 85% of banks under $1B in assets in IL
Bank 51.64%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.70%1.03%1.34%Beats 20%121 / 151
Return on Equity6.72%6.74%9.34%12.94%Beats 24%115 / 151
Net Interest Margin2.86%3.02%3.43%3.83%Beats 16%127 / 151
Efficiency Ratio51.64%54.64%64.89%72.50%Beats 85%24 / 151
Asset Quality
Nonperforming Loans / Loans0.28%0.20%0.66%1.77%Beats 67%50 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio13.76%11.83%14.17%18.66%Beats 46%82 / 151
Total Risk-Based Capital Ratio14.86%12.22%14.54%19.92%Beats 53%71 / 151
Equity / Assets9.40%9.10%10.65%12.40%Beats 29%107 / 151
Liquidity & Funding
Loans / Deposits82.06%54.39%71.02%80.75%78th pctl33 / 149
Loans / Assets65.08%45.91%61.31%68.01%60th pctl60 / 151
Brokered Deposits / Depositsn/aNot reported for this institution