Olmsted, IL · Cert 10437 · Fsbo Holdings 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.85% | 1.01% | 1.07% | 1.16% | 1.13% | 1.22% | 1.21% | +14 bps | |
| Return on Equity | 8.29% | 7.95% | 9.03% | 9.57% | 10.22% | 9.83% | 10.03% | 9.92% | +35 bps | |
| Net Interest Margin | 2.85% | 2.88% | 3.17% | 3.33% | 3.32% | 3.39% | 3.55% | 3.63% | +29 bps | |
| Efficiency Ratio | 67.11% | 68.67% | 63.41% | 61.45% | 59.22% | 60.52% | 59.15% | 58.60% | -286 bps | |
| Non-Interest Burden | 1.81% | 1.88% | 1.90% | 1.93% | 1.84% | 1.93% | 1.95% | 1.98% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.69% | 7.33% | 4.53% | 7.13% | 5.06% | 4.97% | 3.39% | 0.84% | -629 bps | |
| Loan Growth (YoY) | 3.88% | -0.90% | 1.09% | 6.59% | 13.36% | 17.99% | 18.69% | 10.26% | +367 bps | |
| Deposit Growth (YoY) | 7.49% | 6.84% | 3.41% | 5.98% | 3.84% | 3.42% | 1.88% | -0.48% | -646 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 1.45% | 1.17% | 0.68% | 1.24% | 1.14% | 2.19% | 2.09% | +142 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.08% | 1.11% | 1.07% | 0.99% | 0.97% | 0.97% | 0.93% | 0.91% | -8 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.9x | 1.5x | 0.8x | 0.8x | 0.4x | 0.4x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 11.93% | 11.58% | 11.91% | 11.90% | 12.00% | 12.30% | 12.57% | +66 bps | |
| Total Risk-Based Capital | 20.34% | 22.55% | 21.71% | 11.91% | 11.90% | 12.00% | 12.30% | 20.87% | +896 bps | |
| Equity / Assets | 10.99% | 10.94% | 11.32% | 11.35% | 11.85% | 12.03% | 12.25% | 12.40% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.18% | 62.61% | 64.38% | 68.02% | 70.06% | 71.43% | 75.00% | 75.35% | +734 bps | |
| Liquid Assets / Assets | 4.45% | 5.08% | 5.22% | 3.90% | 3.99% | 4.10% | 2.79% | 2.81% | -109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 88.23% | 84.22% | 80.18% | n/a | n/a | |