PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.01%Q2 ’245.02%Q2 ’255.08%Q2 ’26-7%-2%

Non-interest income vs. expense

4.77%Q2 ’243.82%Q2 ’254.57%Q2 ’26+15%+22%

Executive Summary

  • Earnings: ROA of 0.05%, down 69 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 1.65% of loans (-655 bps YoY), with net charge-offs at 0.06%.
  • 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 (quarter, annualized)

0.05%-69 bps YoY

Net Interest Margin (quarter, annualized)

4.21%-10 bps YoY

Efficiency Ratio (quarter, annualized)

98.56%+1,783 bps YoY

Tier 1 Leverage Ratio

12.49%-22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%1.10%0.96%-0.44%0.05%-69 bps
Return on Equity6.50%8.99%7.65%-3.61%0.45%-604 bps
Net Interest Margin4.31%4.39%4.47%4.09%4.21%-10 bps
Efficiency Ratio80.73%71.10%73.97%99.10%98.56%+1,783 bps
Non-Interest Burden3.40%2.98%3.20%4.05%4.14%+75 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 / Loans-0.01%-0.02%0.00%0.54%0.06%+7 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