Middletown, IL · Cert 10463
State charter, non-member · 3 branches
Q1 2026
Market Position · Springfield, IL · 2025 SOD (annual) · 0.1% share · #26 of 26 inst. · $0.0B of $9.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | -2.66% | 1.47% | 1.27% | 1.18% | -25 bps | |
| Return on Equity | 14.80% | -23.55% | 11.51% | 10.00% | 9.33% | -547 bps | |
| Net Interest Margin | 3.12% | 0.07% | 4.78% | 4.67% | 4.32% | +119 bps | |
| Efficiency Ratio | 45.70% | 60.53% | 53.24% | 54.33% | 58.44% | +1,274 bps | |
| Non-Interest Burden | 1.35% | 0.55% | 2.59% | 2.56% | 2.54% | +119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.98% | 4.47% | 8.66% | 14.61% | 10.88% | +1,386 bps | |
| Loan Growth (YoY) | -4.80% | 0.41% | -5.55% | 8.34% | 7.37% | +1,217 bps | |
| Deposit Growth (YoY) | -4.12% | 0.45% | 4.37% | 10.65% | 10.90% | +1,502 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.18% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.63% | 0.92% | 0.88% | 0.81% | 0.85% | +22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 4.8x | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.55% | 8.61% | 8.46% | 9.09% | 8.61% | -94 bps | |
| Total Risk-Based Capital | 9.55% | 14.57% | 15.17% | 14.88% | 15.14% | +559 bps | |
| Equity / Assets | 9.63% | 12.91% | 12.59% | 12.70% | 12.52% | +290 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.34% | 82.70% | 75.11% | 85.46% | 79.72% | -262 bps | |
| Liquid Assets / Assets | 18.90% | 5.27% | 9.36% | 9.03% | 11.58% | -732 bps | |
| CRE / Total Capital | n/a | n/a | 256% | 263% | 282% | n/a | |