Paxton, IL · Cert 10446 · Agricultural Banking Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.1% share · #19 of 33 inst. · $0.1B of $8.7B
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 | 1.71% | 1.64% | 1.80% | 1.71% | 1.67% | 1.64% | 1.72% | 1.73% | +2 bps | |
| Return on Equity | 17.16% | 16.57% | 18.16% | 16.79% | 16.12% | 15.75% | 16.44% | 16.59% | -20 bps | |
| Net Interest Margin | 4.13% | 4.00% | 3.94% | 4.13% | 4.19% | 4.07% | 3.90% | 4.04% | -8 bps | |
| Efficiency Ratio | 48.94% | 50.54% | 47.94% | 49.50% | 49.52% | 51.83% | 49.91% | 49.68% | +18 bps | |
| Non-Interest Burden | 1.69% | 1.74% | 1.69% | 1.82% | 1.85% | 1.91% | 1.73% | 1.79% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.93% | 3.29% | 8.16% | 4.45% | 4.34% | 0.19% | 1.88% | 4.94% | +50 bps | |
| Loan Growth (YoY) | 14.12% | 10.72% | 6.65% | 4.81% | 1.32% | 11.77% | 8.72% | 8.32% | +351 bps | |
| Deposit Growth (YoY) | -0.29% | 2.53% | 8.00% | 3.53% | 4.11% | -0.71% | 1.62% | 5.18% | +165 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.18% | 0.17% | 0.00% | 0.00% | -19 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.07% | 0.03% | 0.02% | 0.02% | 0.00% | 0.01% | -2 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.05% | 1.11% | 1.08% | 0.98% | 1.08% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 5.9x | 5.9x | 5.8x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.08% | 9.98% | 10.47% | 10.76% | 10.36% | 10.25% | 10.44% | -2 bps | |
| Total Risk-Based Capital | 19.01% | 19.18% | 20.90% | 19.86% | 19.77% | 18.47% | 20.23% | 19.97% | +11 bps | |
| Equity / Assets | 10.70% | 9.73% | 10.13% | 10.68% | 10.90% | 10.52% | 10.35% | 10.43% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.33% | 51.05% | 48.29% | 53.10% | 54.83% | 57.46% | 51.67% | 54.68% | +159 bps | |
| Liquid Assets / Assets | 7.48% | 14.72% | 16.91% | 9.53% | 10.04% | 11.51% | 16.44% | 10.87% | +135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 75.90% | 80.16% | 71.20% | n/a | n/a | |