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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.72% | 1.61% | 2.00% | 1.78% | 1.96% | 2.22% | 2.43% | +43 bps | |
| Return on Equity | 13.56% | 14.99% | 13.57% | 16.46% | 14.54% | 15.54% | 17.17% | 18.16% | +171 bps | |
| Net Interest Margin | 3.99% | 4.35% | 4.38% | 4.40% | 4.31% | 4.71% | 4.80% | 4.89% | +49 bps | |
| Efficiency Ratio | 55.54% | 53.22% | 55.92% | 53.14% | 51.31% | 49.64% | 52.89% | 49.39% | -375 bps | |
| Non-Interest Burden | 2.12% | 2.18% | 2.33% | 1.87% | 2.11% | 2.22% | 2.43% | 1.77% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.61% | -4.53% | -2.92% | 0.93% | 1.76% | 0.52% | 4.08% | 0.41% | -52 bps | |
| Loan Growth (YoY) | 11.71% | 8.45% | 5.35% | 3.36% | 2.91% | 4.62% | 6.77% | 6.91% | +355 bps | |
| Deposit Growth (YoY) | -8.54% | -6.37% | -4.71% | -0.54% | 0.42% | -1.01% | 2.93% | -1.29% | -74 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.22% | 0.15% | 0.26% | 0.19% | 0.23% | 0.18% | 0.46% | +20 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.55% | -0.09% | 0.19% | 0.00% | -0.01% | -0.69% | 0.13% | -6 bps | |
| Allowance / Loans | 1.73% | 1.59% | 1.59% | 1.54% | 1.52% | 1.50% | 1.46% | 1.44% | -10 bps | |
| Allowance Coverage of NPLs | 2.1x | 7.1x | 10.5x | 5.9x | 8.1x | 6.6x | 8.1x | 3.1x | -2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.12% | 11.65% | 12.07% | 12.40% | 12.03% | 12.81% | 13.28% | 13.52% | +112 bps | |
| Total Risk-Based Capital | 11.12% | 11.65% | 12.07% | 12.40% | 12.03% | 12.81% | 13.28% | 13.52% | +112 bps | |
| Equity / Assets | 11.25% | 11.65% | 12.09% | 12.23% | 12.32% | 12.88% | 13.01% | 13.73% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.47% | 79.45% | 81.55% | 80.54% | 80.42% | 83.97% | 84.59% | 87.23% | +669 bps | |
| Liquid Assets / Assets | 24.64% | 23.67% | 22.05% | 22.47% | 24.21% | 21.42% | 19.01% | 18.39% | -408 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 32.97% | 34.90% | n/a | |