Winslow, IL · Cert 10791 · Stateline Cmty Bancshares Inc.
State charter, non-member · FDIC · 4 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 | 1.36% | 1.19% | 1.11% | 1.06% | 1.14% | 1.12% | 1.23% | 1.15% | +9 bps | |
| Return on Equity | 9.92% | 8.69% | 8.10% | 7.68% | 8.18% | 7.96% | 8.38% | 7.83% | +15 bps | |
| Net Interest Margin | 2.73% | 2.58% | 2.61% | 2.66% | 2.65% | 2.63% | 2.75% | 2.75% | +9 bps | |
| Efficiency Ratio | 42.91% | 47.94% | 49.50% | 52.42% | 49.33% | 50.67% | 44.43% | 48.64% | -378 bps | |
| Non-Interest Burden | 1.07% | 1.15% | 1.22% | 1.34% | 1.24% | 1.27% | 1.15% | 1.28% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 6.22% | 5.15% | 4.56% | 3.97% | 3.43% | 5.85% | 7.19% | +263 bps | |
| Loan Growth (YoY) | 3.23% | 2.64% | 1.93% | 5.50% | 8.04% | 8.92% | 9.16% | 7.79% | +229 bps | |
| Deposit Growth (YoY) | 6.46% | 7.72% | 7.42% | 6.97% | 4.40% | -0.35% | 3.06% | 6.68% | -29 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 1.53% | 1.51% | 1.55% | 1.48% | 1.40% | 1.38% | 1.50% | -5 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.03% | -0.01% | 0.00% | 0.00% | -0.06% | -0.06% | -4 bps | |
| Allowance / Loans | 1.00% | 0.99% | 0.98% | 0.94% | 0.92% | 0.91% | 0.91% | 0.90% | -4 bps | |
| Allowance Coverage of NPLs | 4.8x | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | 0.7x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.73% | 15.55% | 15.79% | 15.90% | 15.88% | 15.89% | 15.97% | 16.02% | +12 bps | |
| Total Risk-Based Capital | 25.96% | 25.92% | 25.97% | 25.22% | 25.27% | 25.43% | 25.28% | 24.99% | -24 bps | |
| Equity / Assets | 14.12% | 13.51% | 13.92% | 13.84% | 14.40% | 14.78% | 14.63% | 14.46% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.82% | 97.79% | 99.64% | 101.99% | 103.30% | 106.88% | 105.54% | 103.05% | +106 bps | |
| Liquid Assets / Assets | 7.70% | 8.09% | 8.10% | 6.36% | 6.75% | 6.61% | 7.36% | 7.29% | +92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 49.83% | 49.69% | 49.56% | n/a | n/a | |