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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 $4.0MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $83.3M11%Noninterest $10.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.48%, up 23 bps year over year; NIM at 3.42%.
  • 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 (quarter, annualized)

1.48%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.42%+24 bps YoY

Efficiency Ratio (quarter, annualized)

42.16%-100 bps YoY

Tier 1 Leverage Ratio

12.89%+29 bps YoY

NIM

4.66%Q2 ’244.89%Q2 ’254.93%Q2 ’26+1%+8%

Non-interest income vs. expense

1.35%Q2 ’241.39%Q2 ’251.46%Q2 ’26+2%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%0.92%1.29%1.24%1.15%1.14%1.29%1.48%+23 bps
Return on Equity10.49%7.67%10.81%10.23%9.22%8.98%10.35%11.77%+154 bps
Net Interest Margin2.96%2.99%3.04%3.18%3.12%3.21%3.17%3.42%+24 bps
Efficiency Ratio45.36%56.68%46.54%43.16%47.88%54.68%47.25%42.16%-100 bps
Non-Interest Burden1.33%1.68%1.40%1.35%1.46%1.74%1.48%1.42%+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