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Nashville Savings Bank

Nashville, IL · Cert 29677

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Nashville Savings Bank

Nashville, IL · Cert 29677

SI · FDIC · 1 branch

Q2 2026

$107.9MAssets
$69.1MLoans
$93.9MDeposits
$13.8MEquity
Loan mix
82%RE $55.4M12%C&I $7.9M6%Consumer $4.0MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $83.3M11%Noninterest $10.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.39%, up 12 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.89%, up 29 bps from a year ago.
  • Funding: loans stand at 73.65% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.39%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+18 bps YoY

Efficiency Ratio (YTD, annualized)

44.60%-21 bps YoY

Tier 1 Leverage Ratio

12.89%+29 bps YoY

NIM

4.46%Q2 ’244.81%Q2 ’254.83%Q2 ’26+2%+6%

Non-interest income vs. expense

1.39%Q2 ’241.41%Q2 ’251.49%Q2 ’26+2%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.12%1.29%1.27%1.23%1.21%1.29%1.39%+12 bps
Return on Equity10.17%9.54%10.81%10.52%10.08%9.79%10.35%11.06%+54 bps
Net Interest Margin3.00%2.99%3.04%3.12%3.06%3.07%3.17%3.29%+18 bps
Efficiency Ratio45.16%48.04%46.54%44.81%45.86%48.17%47.25%44.60%-21 bps
Non-Interest Burden1.34%1.42%1.40%1.38%1.38%1.46%1.48%1.45%+7 bps
Growth
Asset Growth (YoY)8.27%7.32%13.52%3.14%6.69%6.66%7.00%6.72%+358 bps
Loan Growth (YoY)10.74%7.40%2.41%7.14%6.00%4.93%3.40%2.16%-498 bps
Deposit Growth (YoY)7.00%6.70%13.49%1.83%6.23%5.75%6.50%6.39%+456 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.91%0.94%0.99%1.03%1.02%1.02%1.00%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.15%12.33%12.23%12.60%12.53%12.63%12.56%12.89%+29 bps
Total Risk-Based Capital12.15%12.33%12.23%12.60%12.53%12.63%12.56%12.89%+29 bps
Equity / Assets12.14%11.97%11.92%12.36%12.65%12.64%12.33%12.74%+38 bps
Liquidity & Funding
Loans / Deposits76.48%75.66%73.52%76.70%76.32%75.07%71.37%73.65%-305 bps
Liquid Assets / Assets3.85%2.84%3.50%4.66%3.80%2.94%3.54%3.81%-85 bps
CRE / Total Capitaln/an/an/an/a134.03%138.64%137.75%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Nashville Savings Bank

Nashville, IL · Cert 29677 · Peer group: banks under $1B in assets in IL (n=149-151)

SI · FDIC · 1 branch

Q2 2026

$107.9MAssets
$69.1MLoans
$93.9MDeposits
$13.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: total risk-based capital ratio trails 64% of banks under $1B in assets in IL (rank 97 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 35 of 151

Net Interest Margin

3.29%

Rank 94 of 151

Efficiency Ratio

44.60%

Rank 5 of 151

Equity / Assets

12.74%

Rank 31 of 151

Non-interest income vs. expense

$0.0M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 97% of banks under $1B in assets in IL
Bank 44.60%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.38%0.70%1.03%1.34%Beats 77%35 / 151
Return on Equity10.82%6.74%9.34%12.94%Beats 63%56 / 151
Net Interest Margin3.29%3.02%3.43%3.83%Beats 38%94 / 151
Efficiency Ratio44.60%54.64%64.89%72.50%Beats 97%5 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio12.89%11.83%14.17%18.66%Beats 38%93 / 151
Total Risk-Based Capital Ratio12.89%12.22%14.54%19.92%Beats 36%97 / 151
Equity / Assets12.74%9.10%10.65%12.40%Beats 79%31 / 151
Liquidity & Funding
Loans / Deposits73.65%54.39%71.02%80.75%56th pctl66 / 149
Loans / Assets64.08%45.91%61.31%68.01%56th pctl66 / 151
Brokered Deposits / Depositsn/aNot reported for this institution