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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

$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