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Princeville State Bank

Princeville, IL · Cert 16900 · 1870 Holdings Inc.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (10 in holding)

Q2 2026

$124.4MAssets
$70.4MLoans
$102.6MDeposits
$16.3MEquity
Loan mix
61%RE $37.1M29%C&I $17.3M10%Consumer $6.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $84.7M17%Noninterest $17.9MQ2 2025Q2 2026

NIM

4.42%Q2 ’245.71%Q2 ’255.53%Q2 ’26+75%-4%

Non-interest income vs. expense

3.25%Q2 ’242.82%Q2 ’252.81%Q2 ’26-22%+4%

Market Position · Peoria, IL · 2026 SOD (annual) · 1.0% share · #15 of 35 inst. · $0.1B of $10.0B

Executive Summary

  • Earnings: ROA of 1.50%, down 11 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 6.42% of loans (+250 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.23%, up 17 bps from a year ago.
  • Funding: loans stand at 68.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.50%-11 bps YoY

Net Interest Margin (quarter, annualized)

4.22%-16 bps YoY

Efficiency Ratio (quarter, annualized)

53.11%+245 bps YoY

Tier 1 Leverage Ratio

9.23%+17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.71%3.75%1.43%1.50%-11 bps
Return on Equity11.86%12.25%27.40%10.57%11.19%-67 bps
Net Interest Margin4.38%4.75%3.53%4.13%4.22%-16 bps
Efficiency Ratio50.66%53.03%66.61%53.74%53.11%+245 bps
Non-Interest Burden1.93%2.22%2.20%1.99%2.00%+7 bps
Growth
Asset Growth (YoY)-4.41%1.19%10.12%7.26%15.05%+1,946 bps
Loan Growth (YoY)-2.42%2.90%6.46%18.24%19.05%+2,147 bps
Deposit Growth (YoY)-5.10%-11.49%-3.92%1.60%11.11%+1,621 bps
Asset Quality
Nonperforming Loans / Loans3.92%3.78%3.68%3.51%6.42%+250 bps
Net Charge-Offs / Loans0.03%-0.04%0.02%-0.02%0.00%-3 bps
Allowance / Loans2.01%1.96%1.88%1.79%1.70%-31 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.3x-0.2x
Capital
Tier 1 Leverage Ratio9.06%9.28%9.05%9.28%9.23%+17 bps
Total Risk-Based Capital9.06%9.28%9.05%9.28%9.23%+17 bps
Equity / Assets13.97%13.97%13.40%13.70%13.12%-86 bps
Liquidity & Funding
Loans / Deposits64.00%65.25%63.98%68.07%68.58%+458 bps
Liquid Assets / Assets5.75%5.47%8.52%3.93%5.75%0 bps
CRE / Total Capitaln/a218%234%249%n/an/a