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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

$85.9MAssets
$55.7MLoans
$74.7MDeposits
$10.7MEquity
Loan mix
88%RE $43.8M9%C&I $4.7M2%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $53.6M28%Noninterest $21.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.47%, up 21 bps year over year; NIM at 3.82%.
  • 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.

Return on Assets (quarter, annualized)

1.47%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.82%+10 bps YoY

Efficiency Ratio (quarter, annualized)

53.01%-426 bps YoY

Tier 1 Leverage Ratio

12.22%+14 bps YoY

NIM

4.80%Q2 ’245.07%Q2 ’255.05%Q2 ’26+4%+3%

Non-interest income vs. expense

2.21%Q2 ’242.23%Q2 ’252.16%Q2 ’26-1%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%0.99%1.10%1.27%1.21%1.08%1.29%1.47%+21 bps
Return on Equity9.93%8.18%9.17%10.45%9.87%8.69%10.62%12.07%+162 bps
Net Interest Margin3.65%3.60%3.50%3.72%3.75%3.74%3.69%3.82%+10 bps
Efficiency Ratio59.27%65.43%60.65%57.26%58.79%64.61%56.01%53.01%-426 bps
Non-Interest Burden2.09%2.29%2.07%2.06%2.16%2.35%2.03%1.90%-16 bps
Growth
Asset Growth (YoY)-4.08%0.13%0.68%1.69%2.38%0.97%5.39%2.82%+113 bps
Loan Growth (YoY)-5.98%-2.22%-1.44%2.85%4.46%1.97%-1.00%-1.96%-481 bps
Deposit Growth (YoY)-2.91%-0.51%0.14%-0.42%2.22%0.58%5.65%4.91%+533 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.04%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.18%0.00%-0.07%0.01%0.00%0.00%0 bps
Allowance / Loans1.38%1.40%1.42%1.37%1.37%1.46%1.59%1.57%+20 bps
Allowance Coverage of NPLsn/a34.0xn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.09%12.05%11.89%12.08%12.35%12.11%12.02%12.22%+14 bps
Total Risk-Based Capital12.09%12.05%11.89%12.08%12.35%12.11%12.02%12.22%+14 bps
Equity / Assets12.22%11.95%12.03%12.18%12.42%12.34%11.89%12.52%+33 bps
Liquidity & Funding
Loans / Deposits76.41%76.75%74.08%79.72%78.08%77.81%69.42%74.50%-522 bps
Liquid Assets / Assets28.99%27.25%28.90%29.74%27.59%26.59%26.94%29.57%-17 bps
CRE / Total Capitaln/an/an/an/a134.39%143.65%120.13%n/an/a