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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 $4.0MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $83.3M11%Noninterest $10.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.23%1.21%1.29%1.39%+12 bps
Return on Equity10.52%10.08%9.79%10.35%11.06%+54 bps
Net Interest Margin3.12%3.06%3.07%3.17%3.29%+18 bps
Efficiency Ratio44.81%45.86%48.17%47.25%44.60%-21 bps
Non-Interest Burden1.38%1.38%1.46%1.48%1.45%+7 bps
Growth
Asset Growth (YoY)3.14%6.69%6.66%7.00%6.72%+358 bps
Loan Growth (YoY)7.14%6.00%4.93%3.40%2.16%-498 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%1.03%1.02%1.02%1.00%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.60%12.53%12.63%12.56%12.89%+29 bps
Total Risk-Based Capital12.60%12.53%12.63%12.56%12.89%+29 bps
Equity / Assets12.36%12.65%12.64%12.33%12.74%+38 bps
Liquidity & Funding
Loans / Deposits76.70%76.32%75.07%71.37%73.65%-305 bps
Liquid Assets / Assets4.66%3.80%2.94%3.54%3.81%-85 bps
CRE / Total Capitaln/a134.03%138.64%137.75%n/an/a