Du Quoin, IL · Cert 10804 · Perry County Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.85% | 0.40% | 0.76% | 0.68% | -20 bps | |
| Return on Equity | 53.65% | 32.85% | 10.21% | 21.91% | 19.58% | -3,408 bps | |
| Net Interest Margin | 3.27% | 3.17% | 3.16% | 3.12% | 3.20% | -7 bps | |
| Efficiency Ratio | 71.28% | 69.38% | 77.34% | 72.48% | 74.79% | +351 bps | |
| Non-Interest Burden | 2.13% | 2.06% | 2.35% | 2.15% | 2.31% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.02% | -1.67% | 5.21% | 1.64% | 11.42% | +840 bps | |
| Loan Growth (YoY) | 20.24% | 12.00% | 9.22% | 11.82% | 8.52% | -1,172 bps | |
| Deposit Growth (YoY) | 4.06% | -0.89% | 3.78% | 0.91% | 9.44% | +538 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.08% | 0.08% | 0.00% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.43% | 1.43% | 1.44% | 1.45% | -6 bps | |
| Allowance Coverage of NPLs | 15.6x | 17.4x | 18.6x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.97% | 11.61% | 11.25% | 10.83% | 10.78% | -20 bps | |
| Total Risk-Based Capital | 25.86% | 25.84% | 25.31% | 25.39% | 26.23% | +37 bps | |
| Equity / Assets | 1.52% | 3.65% | 4.09% | 2.87% | 4.06% | +254 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 35.04% | 37.75% | 37.03% | 35.34% | 34.74% | -29 bps | |
| Liquid Assets / Assets | 1.27% | 1.31% | 1.55% | 1.45% | 1.08% | -19 bps | |
| CRE / Total Capital | n/a | 116.57% | 125.03% | 124.87% | n/a | n/a | |