Table Grove, IL · Cert 16394 · TG Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.31% | 0.64% | 0.74% | 1.10% | 0.96% | -0.44% | 0.05% | -69 bps | |
| Return on Equity | 8.31% | 11.04% | 5.78% | 6.50% | 8.99% | 7.65% | -3.61% | 0.45% | -604 bps | |
| Net Interest Margin | 4.64% | 4.40% | 4.28% | 4.31% | 4.39% | 4.47% | 4.09% | 4.21% | -10 bps | |
| Efficiency Ratio | 80.60% | 68.13% | 82.85% | 80.73% | 71.10% | 73.97% | 99.10% | 98.56% | +1,783 bps | |
| Non-Interest Burden | 3.39% | 2.47% | 3.47% | 3.40% | 2.98% | 3.20% | 4.05% | 4.14% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.69% | 1.28% | 5.04% | -0.93% | 1.42% | -2.10% | -3.10% | 1.92% | +285 bps | |
| Loan Growth (YoY) | -4.50% | -0.37% | -1.30% | 7.79% | 6.22% | -2.25% | 5.86% | 0.75% | -704 bps | |
| Deposit Growth (YoY) | -7.45% | 1.97% | 4.67% | -1.62% | -1.11% | -3.41% | -3.41% | 1.95% | +358 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.23% | 0.11% | 8.20% | 2.09% | 0.35% | 0.22% | 1.65% | -655 bps | |
| Net Charge-Offs / Loans | 0.19% | -0.02% | 0.10% | -0.01% | -0.02% | 0.00% | 0.54% | 0.06% | +7 bps | |
| Allowance / Loans | 0.97% | 0.98% | 1.05% | 1.02% | 1.00% | 0.99% | 1.03% | 1.04% | +2 bps | |
| Allowance Coverage of NPLs | 20.4x | 4.3x | 9.7x | 0.1x | 0.5x | 2.8x | 4.8x | 0.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.74% | 13.25% | 12.44% | 12.71% | 13.73% | 13.48% | 12.31% | 12.49% | -22 bps | |
| Total Risk-Based Capital | 13.74% | 13.25% | 12.44% | 12.71% | 13.73% | 13.48% | 12.31% | 12.49% | -22 bps | |
| Equity / Assets | 12.39% | 11.42% | 10.90% | 11.91% | 12.58% | 12.60% | 11.60% | 11.98% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.03% | 81.22% | 72.26% | 82.39% | 85.96% | 82.20% | 79.20% | 81.42% | -97 bps | |
| Liquid Assets / Assets | 4.99% | 6.06% | 13.47% | 0.93% | 0.06% | 3.21% | 6.04% | 1.67% | +73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 9.05% | 7.69% | 8.00% | n/a | n/a | |