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Table Grove State Bank

Table Grove, IL · Cert 16394 · TG Bancshares 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

2

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

Table Grove State Bank

Table Grove, IL · Cert 16394 · TG Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$45.9MAssets
$32.7MLoans
$40.2MDeposits
$5.5MEquity
Loan mix
66%RE $16.7M16%C&I $3.9M18%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $31.5M21%Noninterest $8.6MQ2 2025Q2 2026

NIM

4.92%Q2 ’245.03%Q2 ’255.05%Q2 ’26-5%-3%

Non-interest income vs. expense

6.10%Q2 ’243.89%Q2 ’254.60%Q2 ’26-21%+20%

Executive Summary

  • Earnings: ROA of -0.19%, down 88 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 1.65% of loans (-655 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 12.49%, down 22 bps from a year ago.
  • Funding: loans stand at 81.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-88 bps YoY

Net Interest Margin (YTD, annualized)

4.19%-14 bps YoY

Efficiency Ratio (YTD, annualized)

98.83%+1,704 bps YoY

Tier 1 Leverage Ratio

12.49%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.82%0.86%-0.44%-0.19%-88 bps
Return on Equity6.12%7.04%7.22%-3.61%-1.55%-767 bps
Net Interest Margin4.32%4.51%4.38%4.09%4.19%-14 bps
Efficiency Ratio81.79%78.29%77.20%99.10%98.83%+1,704 bps
Non-Interest Burden3.46%3.43%3.28%4.05%4.13%+68 bps
Growth
Asset Growth (YoY)-0.93%1.42%-2.10%-3.10%1.92%+285 bps
Loan Growth (YoY)7.79%6.22%-2.25%5.86%0.75%-704 bps
Deposit Growth (YoY)-1.62%-1.11%-3.41%-3.41%1.95%+358 bps
Asset Quality
Nonperforming Loans / Loans8.20%2.09%0.35%0.22%1.65%-655 bps
Net Charge-Offs / Loans0.04%0.02%0.01%0.54%0.31%+26 bps
Allowance / Loans1.02%1.00%0.99%1.03%1.04%+2 bps
Allowance Coverage of NPLs0.1x0.5x2.8x4.8x0.6x+0.5x
Capital
Tier 1 Leverage Ratio12.71%13.73%13.48%12.31%12.49%-22 bps
Total Risk-Based Capital12.71%13.73%13.48%12.31%12.49%-22 bps
Equity / Assets11.91%12.58%12.60%11.60%11.98%+7 bps
Liquidity & Funding
Loans / Deposits82.39%85.96%82.20%79.20%81.42%-97 bps
Liquid Assets / Assets0.93%0.06%3.21%6.04%1.67%+73 bps
CRE / Total Capitaln/a9.05%7.69%8.00%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

Table Grove State Bank

Table Grove, IL · Cert 16394 · Peer group: banks under $1B in assets in IL (n=149-151) · TG Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$45.9MAssets
$32.7MLoans
$40.2MDeposits
$5.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets in IL (rank 19 of 151).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets in IL (rank 149 of 151).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.19%

Rank 147 of 151

Net Interest Margin

4.19%

Rank 19 of 151

Efficiency Ratio

98.83%

Rank 149 of 151

Equity / Assets

11.98%

Rank 43 of 151

Non-interest income vs. expense

$0.2M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 2% of banks under $1B in assets in IL
Bank 98.83%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.19%0.70%1.03%1.34%Beats 3%147 / 151
Return on Equity-1.60%6.74%9.34%12.94%Beats 3%147 / 151
Net Interest Margin4.19%3.02%3.43%3.83%Beats 87%19 / 151
Efficiency Ratio98.83%54.64%64.89%72.50%Beats 2%149 / 151
Asset Quality
Nonperforming Loans / Loans1.65%0.20%0.66%1.77%Beats 29%107 / 149
Net Charge-Offs / Loans0.16%0.00%0.02%0.07%Beats 17%125 / 149
Capital
Tier 1 Capital Ratio12.49%11.83%14.17%18.66%Beats 36%97 / 151
Total Risk-Based Capital Ratio12.49%12.22%14.54%19.92%Beats 28%108 / 151
Equity / Assets11.98%9.10%10.65%12.40%Beats 72%43 / 151
Liquidity & Funding
Loans / Deposits81.42%54.39%71.02%80.75%77th pctl35 / 149
Loans / Assets71.24%45.91%61.31%68.01%83rd pctl25 / 151
Brokered Deposits / Depositsn/aNot reported for this institution