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State Bank of Geneva, The

Geneva, IL · Cert 925 · Geneva Bancshares Inc.

State charter, Fed member · FED · 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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

21

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

State Bank of Geneva, The

Geneva, IL · Cert 925 · Geneva Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$116.2MAssets
$80.9MLoans
$102.9MDeposits
$12.9MEquity
Loan mix
87%RE $71.3M10%C&I $8.3M3%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $73.2M29%Noninterest $29.7MQ2 2025Q2 2026

NIM

4.78%Q2 ’244.52%Q2 ’254.89%Q2 ’26-14%+9%

Non-interest income vs. expense

3.65%Q2 ’243.61%Q2 ’253.77%Q2 ’26+4%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #117 of 147 inst. · $0.1B of $630.7B

Executive Summary

  • Earnings: ROA of 0.53%, up 14 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.16% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.81%, up 28 bps from a year ago.
  • Funding: loans stand at 78.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+26 bps YoY

Efficiency Ratio (YTD, annualized)

84.72%-350 bps YoY

Tier 1 Leverage Ratio

11.81%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.46%0.51%0.60%0.53%+14 bps
Return on Equity3.89%4.54%4.95%5.79%5.05%+117 bps
Net Interest Margin3.04%3.11%3.12%3.19%3.29%+26 bps
Efficiency Ratio88.22%86.20%85.05%82.50%84.72%-350 bps
Non-Interest Burden2.55%2.53%2.50%2.43%2.62%+6 bps
Growth
Asset Growth (YoY)11.82%6.99%10.17%6.39%-3.51%-1,533 bps
Loan Growth (YoY)8.36%8.91%11.38%14.44%10.37%+202 bps
Deposit Growth (YoY)12.28%7.48%10.29%6.26%-1.86%-1,414 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.13%0.16%0.15%0.16%+2 bps
Net Charge-Offs / Loans0.00%-0.43%-0.31%0.00%0.00%0 bps
Allowance / Loans1.80%2.08%1.99%1.91%1.94%+13 bps
Allowance Coverage of NPLs13.4x15.8x12.3x12.4x12.4x-0.9x
Capital
Tier 1 Leverage Ratio11.53%11.64%11.44%11.59%11.81%+28 bps
Total Risk-Based Capital20.13%19.81%19.06%18.59%18.73%-141 bps
Equity / Assets10.09%10.42%10.38%10.30%11.10%+101 bps
Liquidity & Funding
Loans / Deposits69.92%72.28%74.43%75.69%78.64%+872 bps
Liquid Assets / Assets17.05%15.46%14.09%13.56%10.27%-678 bps
CRE / Total Capitaln/a291%294%304%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

State Bank of Geneva, The

Geneva, IL · Cert 925 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Geneva Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$116.2MAssets
$80.9MLoans
$102.9MDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: efficiency ratio trails 79% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 46 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.56%

Rank 39 of 57

Net Interest Margin

3.29%

Rank 37 of 57

Efficiency Ratio

84.72%

Rank 46 of 57

Equity / Assets

11.10%

Rank 33 of 57

Non-interest income vs. expense

$1.4M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 21% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 84.72%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.51%0.84%1.19%Beats 32%39 / 57
Return on Equity5.02%3.13%7.76%11.40%Beats 39%35 / 57
Net Interest Margin3.29%3.16%3.63%4.08%Beats 35%37 / 57
Efficiency Ratio84.72%59.57%69.70%81.06%Beats 21%46 / 57
Asset Quality
Nonperforming Loans / Loans0.16%0.06%0.34%1.78%Beats 61%23 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio17.47%12.24%16.06%19.69%Beats 56%25 / 57
Total Risk-Based Capital Ratio18.73%12.54%16.50%20.95%Beats 60%23 / 57
Equity / Assets11.10%9.37%11.56%15.00%Beats 42%33 / 57
Liquidity & Funding
Loans / Deposits78.64%66.29%85.59%95.16%37th pctl36 / 57
Loans / Assets69.66%57.07%71.07%78.13%44th pctl32 / 57
Brokered Deposits / Depositsn/aNot reported for this institution