Oneida, IL · Cert 10858 · Anderson Bcorp Inc.
State charter, non-member · FDIC · 1 branch
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 | 0.94% | 1.11% | 0.94% | 1.19% | 1.23% | +29 bps | |
| Return on Equity | 6.36% | 7.45% | 5.90% | 7.03% | 7.29% | +92 bps | |
| Net Interest Margin | 2.64% | 2.78% | 2.75% | 2.83% | 2.92% | +29 bps | |
| Efficiency Ratio | 57.54% | 50.77% | 59.14% | 49.88% | 50.30% | -725 bps | |
| Non-Interest Burden | 1.45% | 1.34% | 1.56% | 1.32% | 1.39% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.77% | 6.29% | -0.80% | -3.44% | -3.31% | -1,007 bps | |
| Loan Growth (YoY) | 14.78% | 19.47% | 20.89% | 10.38% | 4.07% | -1,071 bps | |
| Deposit Growth (YoY) | 5.24% | 5.45% | -3.62% | -5.96% | -5.51% | -1,075 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | +2 bps | |
| Allowance / Loans | 0.52% | 0.50% | 0.48% | 0.47% | 0.47% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.81% | 15.88% | 16.46% | 17.56% | 17.31% | +150 bps | |
| Total Risk-Based Capital | 15.81% | 15.88% | 16.46% | 17.56% | 17.31% | +150 bps | |
| Equity / Assets | 14.95% | 14.99% | 17.10% | 16.83% | 16.87% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.49% | 46.29% | 54.14% | 53.09% | 51.20% | +471 bps | |
| Liquid Assets / Assets | 6.60% | 6.75% | 7.38% | 6.23% | 7.05% | +45 bps | |
| CRE / Total Capital | n/a | 19.99% | 20.03% | 20.57% | n/a | n/a | |