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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.47% | 1.44% | 1.43% | -0.47% | 0.21% | 0.49% | 1.18% | -25 bps | |
| Return on Equity | 16.60% | 16.07% | 15.61% | 14.80% | -4.32% | 1.85% | 4.23% | 9.33% | -547 bps | |
| Net Interest Margin | 3.30% | 3.22% | 3.21% | 3.12% | 1.66% | 2.63% | 3.12% | 4.32% | +119 bps | |
| Efficiency Ratio | 42.98% | 43.78% | 45.01% | 45.70% | 56.97% | 54.73% | 54.58% | 58.44% | +1,274 bps | |
| Non-Interest Burden | 1.35% | 1.34% | 1.37% | 1.35% | 0.94% | 1.45% | 1.72% | 2.54% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.32% | -3.80% | -4.05% | -2.98% | 4.47% | 8.66% | 14.61% | 10.88% | +1,386 bps | |
| Loan Growth (YoY) | -6.63% | -5.53% | -2.44% | -4.80% | 0.41% | -5.55% | 8.34% | 7.37% | +1,217 bps | |
| Deposit Growth (YoY) | -6.73% | -4.79% | -4.99% | -4.12% | 0.45% | 4.37% | 10.65% | 10.90% | +1,502 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.18% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.60% | 0.61% | 0.63% | 0.92% | 0.88% | 0.81% | 0.85% | +22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 4.8x | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.19% | 9.40% | 9.55% | 8.61% | 8.46% | 9.09% | 8.61% | -94 bps | |
| Total Risk-Based Capital | 9.32% | 9.19% | 9.40% | 9.55% | 14.57% | 15.17% | 14.88% | 15.14% | +559 bps | |
| Equity / Assets | 9.36% | 9.09% | 9.66% | 9.63% | 12.91% | 12.59% | 12.70% | 12.52% | +290 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.74% | 83.00% | 87.28% | 82.34% | 82.70% | 75.11% | 85.46% | 79.72% | -262 bps | |
| Liquid Assets / Assets | 17.35% | 17.68% | 17.56% | 18.90% | 5.27% | 9.36% | 9.03% | 11.58% | -732 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 256% | 263% | 282% | n/a | |