Gifford, IL · Cert 10467
FDIC · 4 branches
Q4 2025
Market Position · Champaign-Urbana, IL · 2025 SOD (annual) · 1.9% share · #14 of 33 inst. · $0.1B of $8.1B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 1.78% | 1.87% | 1.99% | 2.11% | +40 bps | |
| Return on Equity | 14.68% | 14.54% | 15.03% | 15.74% | 16.42% | +173 bps | |
| Net Interest Margin | 4.31% | 4.31% | 4.58% | 4.66% | 4.66% | +35 bps | |
| Efficiency Ratio | 54.38% | 51.31% | 50.45% | 51.29% | 50.72% | -366 bps | |
| Non-Interest Burden | 2.14% | 2.11% | 2.21% | 2.28% | 2.13% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.93% | 1.76% | 0.52% | 4.08% | 0.41% | -52 bps | |
| Loan Growth (YoY) | 3.36% | 2.91% | 4.62% | 6.77% | 6.91% | +355 bps | |
| Deposit Growth (YoY) | -0.54% | 0.42% | -1.01% | 2.93% | -1.29% | -74 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.23% | 0.18% | 0.46% | +20 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | -0.01% | -0.23% | -0.14% | -31 bps | |
| Allowance / Loans | 1.54% | 1.52% | 1.50% | 1.46% | 1.44% | -10 bps | |
| Allowance Coverage of NPLs | 5.9x | 8.1x | 6.6x | 8.1x | 3.1x | -2.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.40% | 12.03% | 12.81% | 13.28% | 13.52% | +112 bps | |
| Total Risk-Based Capital | 12.40% | 12.03% | 12.81% | 13.28% | 13.52% | +112 bps | |
| Equity / Assets | 12.23% | 12.32% | 12.88% | 13.01% | 13.73% | +150 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.54% | 80.42% | 83.97% | 84.59% | 87.23% | +669 bps | |
| Liquid Assets / Assets | 22.47% | 24.21% | 21.42% | 19.01% | 18.39% | -408 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 32.97% | 34.90% | n/a | |