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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 $1.2MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $91.7M23%Noninterest $27.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.15%1.10%1.17%1.17%1.18%1.41%1.42%+26 bps
Return on Equity14.38%13.87%12.90%13.59%13.08%12.70%13.45%13.61%+3 bps
Net Interest Margin2.87%2.88%2.82%2.87%2.90%2.91%2.98%3.01%+14 bps
Efficiency Ratio56.71%58.03%60.11%58.18%57.91%58.29%50.50%50.82%-736 bps
Non-Interest Burden1.43%1.47%1.51%1.49%1.51%1.52%1.29%1.31%-18 bps
Growth
Asset Growth (YoY)3.03%-0.94%2.54%0.28%10.32%8.21%4.72%8.89%+861 bps
Loan Growth (YoY)-3.45%-2.18%2.28%5.26%8.27%9.31%3.70%2.37%-289 bps
Deposit Growth (YoY)-1.39%-1.47%1.21%-0.65%10.60%5.66%2.72%7.07%+772 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.36%0.32%0.31%0.28%0.22%0.20%0.19%-12 bps
Net Charge-Offs / Loans0.17%0.09%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.19%1.24%1.16%1.17%1.14%1.13%1.12%1.15%-3 bps
Allowance Coverage of NPLs2.8x3.4x3.6x3.8x4.0x5.2x5.6x6.0x+2.2x
Capital
Tier 1 Leverage Ratio14.27%14.43%14.39%14.25%14.44%14.34%14.26%14.32%+7 bps
Total Risk-Based Capital14.27%14.43%14.39%14.25%14.44%14.34%14.26%14.32%+7 bps
Equity / Assets10.06%8.24%8.73%8.79%9.97%10.50%10.51%10.38%+159 bps
Liquidity & Funding
Loans / Deposits49.83%48.20%48.82%49.84%48.78%49.87%49.28%47.65%-219 bps
Liquid Assets / Assets4.07%7.45%10.24%7.08%10.45%8.46%11.20%14.60%+752 bps
CRE / Total Capitaln/an/an/an/a17.99%16.88%16.96%n/an/a