Villa Grove, IL · Cert 9273 · Villa Grove Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.19% | 1.17% | 1.29% | 1.39% | +20 bps | |
| Return on Equity | 9.83% | 9.83% | 9.58% | 10.62% | 11.35% | +152 bps | |
| Net Interest Margin | 3.64% | 3.68% | 3.64% | 3.69% | 3.76% | +12 bps | |
| Efficiency Ratio | 58.91% | 58.87% | 60.36% | 56.01% | 54.45% | -446 bps | |
| Non-Interest Burden | 2.08% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.03% | 0.03% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.37% | 1.37% | 1.46% | 1.59% | 1.57% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.08% | 12.35% | 12.11% | 12.02% | 12.22% | +14 bps | |
| Total Risk-Based Capital | 12.08% | 12.35% | 12.11% | 12.02% | 12.22% | +14 bps | |
| Equity / Assets | 12.18% | 12.42% | 12.34% | 11.89% | 12.52% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.72% | 78.08% | 77.81% | 69.42% | 74.50% | -522 bps | |
| Liquid Assets / Assets | 29.74% | 27.59% | 26.59% | 26.94% | 29.57% | -17 bps | |
| CRE / Total Capital | n/a | 134.39% | 143.65% | 120.13% | n/a | n/a | |