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Longview Bank

Ogden, IL · Cert 1786 · Longview Capital Corp.

State charter, non-member · FDIC · 2 affiliate banks · 13 branches (26 in holding)

Q2 2026

$732.1MAssets
$609.3MLoans
$653.1MDeposits
$58.9MEquity
Loan mix
87%RE $374.8M11%C&I $48.7M2%Consumer $7.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $562.8M14%Noninterest $90.3MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.77%Q2 ’255.86%Q2 ’26+13%+8%

Non-interest income vs. expense

2.17%Q2 ’242.36%Q2 ’252.38%Q2 ’26+12%-2%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 3.3% share · #7 of 33 inst. · $0.3B of $8.7B

3.9% Champaign
20.1% Edgar
8.3% Vermilion
10.3% Douglas

Executive Summary

  • Earnings: ROA of 1.54%, up 27 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.80% of loans (-31 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.43%, down 4 bps from a year ago.
  • Funding: loans stand at 93.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+29 bps YoY

Efficiency Ratio (YTD, annualized)

51.09%-410 bps YoY

Tier 1 Leverage Ratio

8.43%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.32%1.36%1.52%1.54%+27 bps
Return on Equity15.50%16.00%16.43%18.15%18.69%+319 bps
Net Interest Margin3.92%3.93%3.81%4.15%4.21%+29 bps
Efficiency Ratio55.18%53.48%53.09%51.18%51.09%-410 bps
Non-Interest Burden2.01%1.92%1.82%1.94%1.96%-5 bps
Growth
Asset Growth (YoY)5.90%7.51%5.63%7.49%15.19%+929 bps
Loan Growth (YoY)9.89%8.54%8.81%9.95%17.98%+808 bps
Deposit Growth (YoY)9.60%11.52%7.32%7.52%13.41%+381 bps
Asset Quality
Nonperforming Loans / Loans1.11%1.08%0.95%0.74%0.80%-31 bps
Net Charge-Offs / Loans0.28%0.30%0.30%0.03%0.02%-26 bps
Allowance / Loans0.77%0.76%0.76%0.80%0.75%-2 bps
Allowance Coverage of NPLs0.7x0.7x0.8x1.1x0.9x+0.2x
Capital
Tier 1 Leverage Ratio8.47%8.45%8.10%8.36%8.43%-4 bps
Total Risk-Based Capital11.95%11.65%11.48%12.08%11.10%-85 bps
Equity / Assets8.48%8.22%8.31%8.44%8.05%-43 bps
Liquidity & Funding
Loans / Deposits89.68%88.10%90.38%88.92%93.29%+361 bps
Liquid Assets / Assets7.99%9.88%8.43%10.88%8.79%+80 bps
CRE / Total Capitaln/a273%278%291%n/an/a