Van Orin, IL · Cert 10809 · Van Orin Bcorp Inc.
State charter, non-member · FDIC · 2 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 | 0.61% | 0.54% | 0.22% | 0.42% | 0.69% | +8 bps | |
| Return on Equity | 7.47% | 5.96% | 2.29% | 4.21% | 6.60% | -87 bps | |
| Net Interest Margin | 2.67% | 2.51% | 2.39% | 2.27% | 2.38% | -30 bps | |
| Efficiency Ratio | 67.94% | 74.41% | 82.98% | 77.61% | 65.78% | -216 bps | |
| Non-Interest Burden | 1.77% | 1.82% | 1.96% | 1.72% | 1.50% | -27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.51% | -3.11% | -4.07% | -11.76% | -4.97% | -147 bps | |
| Loan Growth (YoY) | -1.01% | 3.71% | -5.77% | -2.07% | 1.42% | +243 bps | |
| Deposit Growth (YoY) | -5.25% | -4.34% | -6.62% | -14.54% | -7.14% | -189 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.07% | 0.06% | 2.69% | 4.54% | +400 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 1.74% | 1.67% | 1.87% | 1.83% | 1.73% | -2 bps | |
| Allowance Coverage of NPLs | 3.2x | 23.0x | 30.0x | 0.7x | 0.4x | -2.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.98% | 11.36% | 11.30% | 11.94% | 12.40% | +143 bps | |
| Total Risk-Based Capital | 27.33% | 26.91% | 28.63% | 28.66% | 27.84% | +52 bps | |
| Equity / Assets | 8.76% | 9.40% | 9.90% | 10.31% | 10.62% | +186 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 31.15% | 31.51% | 30.02% | 31.66% | 34.03% | +287 bps | |
| Liquid Assets / Assets | 30.11% | 29.59% | 29.63% | 29.07% | 21.72% | -838 bps | |
| CRE / Total Capital | n/a | 22.69% | 22.40% | 21.56% | n/a | n/a | |