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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.00% | 1.78% | 1.96% | 2.22% | 2.43% | +43 bps | |
| Return on Equity | 16.46% | 14.54% | 15.54% | 17.17% | 18.16% | +171 bps | |
| Net Interest Margin | 4.40% | 4.31% | 4.71% | 4.80% | 4.89% | +49 bps | |
| Efficiency Ratio | 53.14% | 51.31% | 49.64% | 52.89% | 49.39% | -375 bps | |
| Non-Interest Burden | 1.87% | 2.11% | 2.22% | 2.43% | 1.77% | -9 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 | 0.19% | 0.00% | -0.01% | -0.69% | 0.13% | -6 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 | |