Watseka, IL · Cert 10831 · First Trust Holdings Inc. the
State charter, Fed member · FED · 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.65% | 1.77% | 1.75% | 1.78% | 1.73% | 1.69% | 1.90% | +14 bps | |
| Return on Equity | 11.77% | 11.60% | 12.08% | 11.66% | 11.63% | 11.11% | 11.06% | 12.72% | +106 bps | |
| Net Interest Margin | 3.36% | 3.23% | 3.21% | 3.39% | 3.49% | 3.51% | 3.39% | 3.38% | -1 bps | |
| Efficiency Ratio | 40.27% | 43.53% | 42.41% | 41.92% | 42.10% | 44.50% | 42.08% | 41.09% | -83 bps | |
| Non-Interest Burden | 1.12% | 1.16% | 1.17% | 1.20% | 1.25% | 1.31% | 1.24% | 1.19% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.53% | 3.31% | 2.63% | 0.20% | -2.93% | -0.65% | 6.24% | 6.89% | +669 bps | |
| Loan Growth (YoY) | 12.89% | 6.63% | -0.83% | -3.96% | -1.27% | -1.76% | 2.48% | -4.33% | -37 bps | |
| Deposit Growth (YoY) | 1.99% | 2.96% | 2.06% | -0.88% | -4.44% | -2.73% | 6.45% | 7.08% | +797 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | -0.01% | -0.14% | 0.00% | -0.01% | -0.02% | -0.01% | 0.03% | +2 bps | |
| Allowance / Loans | 1.12% | 1.13% | 1.09% | 1.11% | 1.11% | 1.11% | 1.10% | 1.10% | -1 bps | |
| Allowance Coverage of NPLs | 33.5x | 35.4x | 31.8x | 34.4x | 37.4x | 39.2x | 37.1x | 37.7x | +3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.38% | 14.95% | 15.63% | 16.41% | 16.40% | 16.26% | 16.20% | 16.10% | -31 bps | |
| Total Risk-Based Capital | 15.38% | 14.95% | 15.63% | 16.41% | 16.40% | 16.26% | 16.20% | 16.10% | -31 bps | |
| Equity / Assets | 14.24% | 14.27% | 15.04% | 15.06% | 15.58% | 15.61% | 14.93% | 14.93% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.23% | 62.52% | 58.49% | 60.22% | 63.26% | 63.15% | 56.31% | 53.80% | -642 bps | |
| Liquid Assets / Assets | 11.02% | 7.85% | 8.20% | 4.25% | 1.71% | 0.02% | 6.04% | 2.01% | -224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 30.08% | 32.04% | 32.05% | n/a | n/a | |