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Great Rivers Bank

Barry, IL · Cert 3762 · FNB Barry Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$194.6MAssets
$161.4MLoans
$167.9MDeposits
$22.1MEquity
Loan mix
87%RE $116.5M9%C&I $11.8M4%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $140.6M16%Noninterest $27.2MQ2 2025Q2 2026

NIM

5.46%Q2 ’245.64%Q2 ’255.77%Q2 ’26+2%+7%

Non-interest income vs. expense

2.88%Q2 ’242.77%Q2 ’252.63%Q2 ’26-6%-4%

Executive Summary

  • Earnings: ROA of 1.44%, up 27 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.11% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.20%, up 5 bps from a year ago.
  • Funding: loans stand at 96.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+26 bps YoY

Efficiency Ratio (YTD, annualized)

58.25%-612 bps YoY

Tier 1 Leverage Ratio

11.20%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.17%0.93%1.43%1.44%+27 bps
Return on Equity10.71%10.65%8.51%13.15%12.98%+228 bps
Net Interest Margin3.81%3.76%3.73%3.97%4.07%+26 bps
Efficiency Ratio64.37%63.70%67.05%57.39%58.25%-612 bps
Non-Interest Burden2.26%2.21%2.34%2.08%2.17%-10 bps
Growth
Asset Growth (YoY)12.31%10.71%8.22%7.28%3.90%-842 bps
Loan Growth (YoY)13.21%11.83%10.15%4.56%4.15%-905 bps
Deposit Growth (YoY)9.83%10.48%5.64%11.41%8.88%-95 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.02%0.10%0.14%0.11%+4 bps
Net Charge-Offs / Loans0.01%0.00%0.06%0.00%0.00%0 bps
Allowance / Loans1.03%1.04%1.06%1.10%1.09%+6 bps
Allowance Coverage of NPLs16.4x47.0x10.3x7.9x10.4x-6.1x
Capital
Tier 1 Leverage Ratio11.15%11.03%10.59%10.88%11.20%+5 bps
Total Risk-Based Capital13.09%13.04%12.70%13.32%13.47%+37 bps
Equity / Assets10.98%11.12%10.84%10.98%11.35%+37 bps
Liquidity & Funding
Loans / Deposits100.49%103.09%100.89%90.46%96.13%-436 bps
Liquid Assets / Assets3.61%2.66%3.14%6.96%3.88%+27 bps
CRE / Total Capitaln/a245%247%234%n/an/a