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Rushville State Bank

Rushville, IL · Cert 9265 · Rushville 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 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

87

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

Rushville State Bank

Rushville, IL · Cert 9265 · Rushville Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$134.8MAssets
$56.7MLoans
$118.9MDeposits
$14.0MEquity
Loan mix
65%RE $30.0M33%C&I $15.2M3%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $91.7M23%Noninterest $27.2MQ2 2025Q2 2026

NIM

3.62%Q2 ’243.71%Q2 ’253.84%Q2 ’26-1%+5%

Non-interest income vs. expense

1.85%Q2 ’241.91%Q2 ’251.76%Q2 ’26+9%-12%

Executive Summary

  • Earnings: ROA of 1.42%, up 26 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.19% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.32%, up 7 bps from a year ago.
  • Funding: loans stand at 47.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+14 bps YoY

Efficiency Ratio (YTD, annualized)

50.82%-736 bps YoY

Tier 1 Leverage Ratio

14.32%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.17%1.18%1.41%1.42%+26 bps
Return on Equity13.59%13.08%12.70%13.45%13.61%+3 bps
Net Interest Margin2.87%2.90%2.91%2.98%3.01%+14 bps
Efficiency Ratio58.18%57.91%58.29%50.50%50.82%-736 bps
Non-Interest Burden1.49%1.51%1.52%1.29%1.31%-18 bps
Growth
Asset Growth (YoY)0.28%10.32%8.21%4.72%8.89%+861 bps
Loan Growth (YoY)5.26%8.27%9.31%3.70%2.37%-289 bps
Deposit Growth (YoY)-0.65%10.60%5.66%2.72%7.07%+772 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.28%0.22%0.20%0.19%-12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.17%1.14%1.13%1.12%1.15%-3 bps
Allowance Coverage of NPLs3.8x4.0x5.2x5.6x6.0x+2.2x
Capital
Tier 1 Leverage Ratio14.25%14.44%14.34%14.26%14.32%+7 bps
Total Risk-Based Capital14.25%14.44%14.34%14.26%14.32%+7 bps
Equity / Assets8.79%9.97%10.50%10.51%10.38%+159 bps
Liquidity & Funding
Loans / Deposits49.84%48.78%49.87%49.28%47.65%-219 bps
Liquid Assets / Assets7.08%10.45%8.46%11.20%14.60%+752 bps
CRE / Total Capitaln/a17.99%16.88%16.96%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

Rushville State Bank

Rushville, IL · Cert 9265 · Peer group: banks under $1B in assets in IL (n=149-151) · Rushville Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$134.8MAssets
$56.7MLoans
$118.9MDeposits
$14.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: net interest margin trails 77% of banks under $1B in assets in IL (rank 117 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.40%

Rank 33 of 151

Net Interest Margin

3.01%

Rank 117 of 151

Efficiency Ratio

50.82%

Rank 20 of 151

Equity / Assets

10.38%

Rank 84 of 151

Non-interest income vs. expense

$0.6M$2.5MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 87% of banks under $1B in assets in IL
Bank 50.82%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.70%1.03%1.34%Beats 78%33 / 151
Return on Equity13.51%6.74%9.34%12.94%Beats 80%30 / 151
Net Interest Margin3.01%3.02%3.43%3.83%Beats 23%117 / 151
Efficiency Ratio50.82%54.64%64.89%72.50%Beats 87%20 / 151
Asset Quality
Nonperforming Loans / Loans0.19%0.20%0.66%1.77%Beats 77%36 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio14.32%11.83%14.17%18.66%Beats 52%73 / 151
Total Risk-Based Capital Ratio14.32%12.22%14.54%19.92%Beats 47%80 / 151
Equity / Assets10.38%9.10%10.65%12.40%Beats 44%84 / 151
Liquidity & Funding
Loans / Deposits47.65%54.39%71.02%80.75%10th pctl134 / 149
Loans / Assets42.05%45.91%61.31%68.01%13th pctl132 / 151
Brokered Deposits / Depositsn/aNot reported for this institution