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Villa Grove State Bank

Villa Grove, IL · Cert 9273 · Villa Grove Bancshares Inc.

State charter, non-member · FDIC · 2 branches

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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

77

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

Villa Grove State Bank

Villa Grove, IL · Cert 9273 · Villa Grove Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$85.9MAssets
$55.7MLoans
$74.7MDeposits
$10.7MEquity
Loan mix
88%RE $43.8M9%C&I $4.7M2%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $53.6M28%Noninterest $21.1MQ2 2025Q2 2026

NIM

4.77%Q2 ’244.99%Q2 ’255.02%Q2 ’26+1%+3%

Non-interest income vs. expense

2.20%Q2 ’242.23%Q2 ’252.14%Q2 ’26+1%-6%

Executive Summary

  • Earnings: ROA of 1.39%, up 20 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.22%, up 14 bps from a year ago.
  • Funding: loans stand at 74.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+12 bps YoY

Efficiency Ratio (YTD, annualized)

54.45%-446 bps YoY

Tier 1 Leverage Ratio

12.22%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.19%1.17%1.29%1.39%+20 bps
Return on Equity9.83%9.83%9.58%10.62%11.35%+152 bps
Net Interest Margin3.64%3.68%3.64%3.69%3.76%+12 bps
Efficiency Ratio58.91%58.87%60.36%56.01%54.45%-446 bps
Non-Interest Burden2.08%2.11%2.14%2.03%1.96%-12 bps
Growth
Asset Growth (YoY)1.69%2.38%0.97%5.39%2.82%+113 bps
Loan Growth (YoY)2.85%4.46%1.97%-1.00%-1.96%-481 bps
Deposit Growth (YoY)-0.42%2.22%0.58%5.65%4.91%+533 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.03%0.03%0.00%0.00%-8 bps
Allowance / Loans1.37%1.37%1.46%1.59%1.57%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.08%12.35%12.11%12.02%12.22%+14 bps
Total Risk-Based Capital12.08%12.35%12.11%12.02%12.22%+14 bps
Equity / Assets12.18%12.42%12.34%11.89%12.52%+33 bps
Liquidity & Funding
Loans / Deposits79.72%78.08%77.81%69.42%74.50%-522 bps
Liquid Assets / Assets29.74%27.59%26.59%26.94%29.57%-17 bps
CRE / Total Capitaln/a134.39%143.65%120.13%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

Villa Grove State Bank

Villa Grove, IL · Cert 9273 · Peer group: banks under $1B in assets in IL (n=149-151) · Villa Grove Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$85.9MAssets
$55.7MLoans
$74.7MDeposits
$10.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in IL (rank 114 of 151).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.40%

Rank 34 of 151

Net Interest Margin

3.76%

Rank 41 of 151

Efficiency Ratio

54.45%

Rank 36 of 151

Equity / Assets

12.52%

Rank 36 of 151

Non-interest income vs. expense

$0.2M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 77% of banks under $1B in assets in IL
Bank 54.45%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 77%34 / 151
Return on Equity11.16%6.74%9.34%12.94%Beats 65%53 / 151
Net Interest Margin3.76%3.02%3.43%3.83%Beats 73%41 / 151
Efficiency Ratio54.45%54.64%64.89%72.50%Beats 77%36 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio12.22%11.83%14.17%18.66%Beats 31%104 / 151
Total Risk-Based Capital Ratio12.22%12.22%14.54%19.92%Beats 25%114 / 151
Equity / Assets12.52%9.10%10.65%12.40%Beats 76%36 / 151
Liquidity & Funding
Loans / Deposits74.50%54.39%71.02%80.75%58th pctl63 / 149
Loans / Assets64.83%45.91%61.31%68.01%59th pctl62 / 151
Brokered Deposits / Depositsn/aNot reported for this institution