Lena, IL · Cert 10474 · First Lena Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 1.16% | 1.16% | 1.28% | 1.31% | 1.20% | 1.23% | 1.25% | 1.42% | +11 bps | |
| Return on Equity | 13.24% | 13.09% | 13.73% | 14.37% | 12.87% | 13.18% | 12.46% | 14.46% | +8 bps | |
| Net Interest Margin | 3.01% | 3.00% | 3.40% | 3.35% | 3.29% | 3.24% | 3.58% | 3.59% | +25 bps | |
| Efficiency Ratio | 58.46% | 58.64% | 56.36% | 55.13% | 54.68% | 53.80% | 54.88% | 50.99% | -413 bps | |
| Non-Interest Burden | 1.55% | 1.57% | 1.70% | 1.63% | 1.58% | 1.51% | 1.71% | 1.57% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.45% | 1.38% | 3.23% | 11.31% | 3.06% | 20.11% | 6.21% | -0.71% | -1,202 bps | |
| Loan Growth (YoY) | 15.12% | 8.37% | 4.48% | 4.15% | 4.78% | 3.80% | 4.24% | 6.12% | +196 bps | |
| Deposit Growth (YoY) | 9.51% | 1.15% | 4.56% | 12.45% | 2.22% | 20.01% | 4.76% | -1.40% | -1,384 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.42% | 0.27% | 0.89% | 2.13% | 1.67% | 1.57% | 1.23% | +34 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | -0.03% | -0.01% | 0.10% | 0.58% | -0.03% | -0.02% | -1 bps | |
| Allowance / Loans | 1.11% | 1.06% | 1.08% | 1.09% | 1.24% | 0.71% | 0.79% | 0.84% | -25 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.5x | 4.0x | 1.2x | 0.6x | 0.4x | 0.5x | 0.7x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.07% | 10.61% | 10.34% | 10.23% | 10.48% | 10.84% | 9.58% | -76 bps | |
| Total Risk-Based Capital | 15.88% | 15.64% | 16.13% | 16.20% | 17.22% | 15.76% | 16.74% | 14.82% | -138 bps | |
| Equity / Assets | 9.10% | 9.18% | 9.43% | 8.79% | 9.81% | 9.40% | 10.69% | 9.41% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.26% | 76.21% | 74.61% | 68.83% | 70.99% | 65.91% | 74.23% | 74.08% | +525 bps | |
| Liquid Assets / Assets | 3.81% | 0.28% | 0.19% | 0.18% | 0.24% | 0.26% | 0.24% | 0.25% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 76.09% | 74.89% | 71.53% | n/a | n/a | |