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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 1.39%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.14%1.10%1.18%1.19%1.17%1.29%1.39%+20 bps
Return on Equity10.16%9.69%9.17%9.83%9.83%9.58%10.62%11.35%+152 bps
Net Interest Margin3.67%3.65%3.50%3.64%3.68%3.64%3.69%3.76%+12 bps
Efficiency Ratio58.79%60.44%60.65%58.91%58.87%60.36%56.01%54.45%-446 bps
Non-Interest Burden2.09%2.14%2.07%2.08%2.11%2.14%2.03%1.96%-12 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%0.08%0.03%0.03%0.00%0.00%-8 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