| Metric | Villa Grove State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.0% | -0.2 pts |
| Deposit growth (YoY) | +4.9% | +2.5% | +2.4 pts |
| Loan growth (YoY) | -2.2% | +2.6% | -4.8 pts |
| ROA | 1.75% | 0.99% | +0.8 pts |
| ROE | 14.3% | 8.1% | +6.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.9M | $74.7M | $54.8M | $10.7M | $754K | 1.75% | 3.97% | 0.00% |
| Q1 2026 | $89.0M | $78.1M | $53.3M | $10.6M | $350K | 1.62% | 3.89% | 0.00% |
| Q4 2025 | $84.1M | $73.4M | $56.3M | $10.4M | $1.2M | 1.46% | 3.85% | 0.00% |
| Q3 2025 | $83.7M | $72.8M | $56.1M | $10.4M | $942K | 1.50% | 3.82% | 0.00% |
| Q2 2025 | $83.5M | $71.2M | $56.0M | $10.2M | $623K | 1.49% | 3.78% | 0.00% |
| Q1 2025 | $84.5M | $73.9M | $54.0M | $10.2M | $290K | 1.38% | 3.68% | 0.00% |
| Q4 2024 | $83.3M | $73.0M | $55.2M | $10.0M | $1.2M | 1.43% | 3.78% | 0.03% |
| Q3 2024 | $81.7M | $71.2M | $53.7M | $10.0M | $932K | 1.50% | 3.80% | 0.00% |
Loan mix (Q2 2026): real estate $45.3M · commercial $4.5M · consumer $1.1M · securities $13.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Villa Grove State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.99% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 8.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 70.8% | 17th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Villa Grove State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Villa Grove State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Villa Grove State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Villa Grove State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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