Onarga, IL · Cert 10464 · Longview Capital Corp.
State charter, non-member · FDIC · 2 affiliate banks · 5 branches (26 in holding)
Q2 2026
Market Position · Kankakee, IL · 2026 SOD (annual) · 0.8% share · #12 of 13 inst. · $0.0B of $2.8B
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 | 0.69% | 0.66% | 0.59% | -0.35% | 0.13% | 0.29% | 1.64% | 1.20% | +155 bps | |
| Return on Equity | 7.03% | 6.79% | 6.10% | -3.04% | 1.07% | 2.29% | 11.24% | 8.37% | +1,140 bps | |
| Net Interest Margin | 3.70% | 3.71% | 3.91% | 1.84% | 2.93% | 3.38% | 3.49% | 5.11% | +327 bps | |
| Efficiency Ratio | 78.30% | 79.02% | 81.31% | 68.13% | 68.33% | 71.20% | 80.50% | 74.92% | +678 bps | |
| Non-Interest Burden | 2.67% | 2.71% | 2.99% | 1.19% | 1.90% | 2.31% | 2.59% | 3.73% | +254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.12% | -0.28% | 1.03% | 7.45% | 8.17% | 12.59% | 14.32% | 11.83% | +438 bps | |
| Loan Growth (YoY) | 7.73% | 11.63% | 5.06% | 24.40% | 36.70% | 38.52% | 50.55% | 37.25% | +1,284 bps | |
| Deposit Growth (YoY) | -6.96% | 3.42% | 5.10% | 6.96% | 10.02% | 5.39% | 7.96% | 13.16% | +620 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.12% | 0.35% | 0.05% | 0.05% | 0.00% | 0.20% | -15 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.25% | 0.02% | -0.06% | -0.02% | -0.01% | -0.01% | 0.01% | +8 bps | |
| Allowance / Loans | 1.06% | 1.01% | 1.12% | 0.98% | 0.90% | 0.91% | 0.90% | 0.83% | -15 bps | |
| Allowance Coverage of NPLs | 4.9x | 3.9x | 9.7x | 2.8x | 17.7x | 18.0x | n/a | 4.2x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.86% | 9.18% | 8.92% | 8.63% | 8.46% | 9.06% | 8.48% | 8.88% | +24 bps | |
| Total Risk-Based Capital | 17.06% | 16.39% | 17.70% | 14.81% | 13.09% | 13.24% | 12.09% | 12.56% | -225 bps | |
| Equity / Assets | 10.47% | 9.37% | 9.95% | 14.81% | 15.12% | 14.60% | 14.50% | 13.99% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.89% | 54.42% | 52.61% | 62.17% | 69.45% | 71.53% | 73.36% | 75.40% | +1,323 bps | |
| Liquid Assets / Assets | 4.72% | 9.12% | 12.39% | 19.90% | 5.89% | 5.06% | 11.54% | 10.53% | -937 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 206% | 207% | n/a | n/a | |