Grand Chain, IL · Cert 10816 · Main Street Bancshares Inc.
State charter, non-member · FDIC · 2 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 | -1.89% | -1.62% | -1.31% | -1.97% | -2.12% | -2.23% | -3.33% | -3.38% | -141 bps | |
| Return on Equity | -21.99% | -18.56% | -13.90% | -21.22% | -23.04% | -24.39% | -37.92% | -39.15% | -1,793 bps | |
| Net Interest Margin | 4.77% | 5.10% | 4.04% | 4.00% | 4.03% | 4.13% | 3.95% | 4.01% | +1 bps | |
| Efficiency Ratio | 112.94% | 112.79% | 154.25% | 154.06% | 153.88% | 153.40% | 170.59% | 169.39% | +1,533 bps | |
| Non-Interest Burden | 5.47% | 5.84% | 6.53% | 6.54% | 6.64% | 6.76% | 7.28% | 7.44% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -29.90% | -26.72% | -25.61% | -16.67% | -13.01% | -10.16% | -16.97% | -14.27% | +240 bps | |
| Loan Growth (YoY) | 4.72% | -9.31% | -14.01% | -19.63% | -14.51% | -9.65% | -12.53% | -12.15% | +748 bps | |
| Deposit Growth (YoY) | -31.55% | -27.95% | -26.69% | -17.17% | -13.17% | -9.36% | -16.54% | -13.61% | +356 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.75% | 4.01% | 9.92% | 16.50% | 15.60% | 15.94% | 18.94% | 15.59% | -91 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 4.07% | 4.51% | 4.31% | 4.59% | 4.33% | 4.54% | 4.93% | 1.45% | -315 bps | |
| Allowance Coverage of NPLs | 0.5x | 1.1x | 0.4x | 0.3x | 0.3x | 0.3x | 0.3x | 0.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 9.11% | 9.24% | 8.64% | 9.02% | 8.58% | 8.37% | 8.14% | -50 bps | |
| Total Risk-Based Capital | 11.84% | 13.00% | 13.41% | 12.42% | 12.66% | 11.43% | 12.10% | 11.75% | -67 bps | |
| Equity / Assets | 8.91% | 9.52% | 9.31% | 9.00% | 8.95% | 8.81% | 8.76% | 8.28% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.05% | 82.31% | 78.97% | 76.79% | 81.77% | 82.05% | 82.76% | 78.09% | +130 bps | |
| Liquid Assets / Assets | 12.61% | 14.09% | 17.26% | 18.48% | 14.01% | 13.31% | 11.81% | 12.90% | -559 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 303% | 322% | 350% | n/a | n/a | |