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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

3.76%Q2 ’243.83%Q2 ’253.91%Q2 ’26-2%+4%

Non-interest income vs. expense

1.90%Q2 ’241.88%Q2 ’251.81%Q2 ’26+4%-11%

Executive Summary

  • Earnings: ROA of 1.44%, up 21 bps year over year; NIM at 3.07%.
  • 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 (quarter, annualized)

1.44%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.07%+11 bps YoY

Efficiency Ratio (quarter, annualized)

51.12%-519 bps YoY

Tier 1 Leverage Ratio

14.32%+7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.20%1.17%1.41%1.44%+21 bps
Return on Equity13.98%12.74%11.39%13.45%13.75%-23 bps
Net Interest Margin2.96%3.00%3.06%2.98%3.07%+11 bps
Efficiency Ratio56.31%57.39%59.36%50.50%51.12%-519 bps
Non-Interest Burden1.50%1.55%1.64%1.29%1.34%-16 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