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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

5.33%Q2 ’245.35%Q2 ’255.52%Q2 ’26-1%+17%

Non-interest income vs. expense

1.38%Q2 ’241.38%Q2 ’251.47%Q2 ’26+1%+8%

Executive Summary

  • Earnings: ROA of 0.50%, down 45 bps year over year; NIM at 2.96%.
  • 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 (quarter, annualized)

0.50%-45 bps YoY

Net Interest Margin (quarter, annualized)

2.96%+42 bps YoY

Efficiency Ratio (quarter, annualized)

47.05%-380 bps YoY

Tier 1 Leverage Ratio

10.48%-92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.87%0.85%0.78%0.50%-45 bps
Return on Equity10.04%9.18%8.79%8.22%5.31%-473 bps
Net Interest Margin2.54%2.71%2.77%2.79%2.96%+42 bps
Efficiency Ratio50.86%53.79%52.60%56.57%47.05%-380 bps
Non-Interest Burden1.20%1.38%1.36%1.52%1.30%+10 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%1.15%0.00%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