Salem, IL · Cert 11317 · Iuka Bancshares Inc.
State charter, Fed member · FED · 4 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 | 0.56% | 0.72% | 0.84% | 1.15% | 0.76% | -0.33% | 0.84% | 0.08% | -107 bps | |
| Return on Equity | 6.17% | 7.90% | 8.91% | 12.08% | 7.97% | -3.49% | 9.12% | 0.81% | -1,127 bps | |
| Net Interest Margin | 4.48% | 4.49% | 4.54% | 4.59% | 4.55% | 4.32% | 4.10% | 4.49% | -9 bps | |
| Efficiency Ratio | 58.48% | 59.73% | 67.91% | 65.61% | 69.42% | 72.14% | 76.60% | 74.39% | +878 bps | |
| Non-Interest Burden | 2.42% | 2.50% | 2.97% | 2.90% | 3.16% | 3.11% | 3.06% | 3.25% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.64% | -1.73% | -1.80% | -0.26% | -1.54% | 0.34% | -0.93% | -6.58% | -631 bps | |
| Loan Growth (YoY) | 2.05% | -3.86% | -2.59% | -4.73% | 1.49% | 2.42% | 1.60% | -5.46% | -72 bps | |
| Deposit Growth (YoY) | -7.48% | -11.57% | -12.95% | -0.27% | -2.26% | 5.01% | 19.40% | 8.40% | +868 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.10% | 4.18% | 4.99% | 5.13% | 2.76% | 5.42% | 7.80% | 7.98% | +285 bps | |
| Net Charge-Offs / Loans | 1.15% | 0.91% | 0.72% | 0.41% | 0.29% | 0.40% | 1.01% | 1.84% | +144 bps | |
| Allowance / Loans | 1.75% | 1.85% | 1.78% | 1.86% | 1.88% | 2.98% | 2.85% | 3.02% | +116 bps | |
| Allowance Coverage of NPLs | 1.6x | 0.4x | 0.4x | 0.4x | 0.7x | 0.5x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.13% | 10.33% | 10.40% | 10.77% | 10.55% | 9.47% | 9.96% | 10.25% | -52 bps | |
| Total Risk-Based Capital | 10.13% | 10.33% | 10.40% | 10.77% | 10.55% | 9.47% | 9.96% | 10.25% | -52 bps | |
| Equity / Assets | 9.16% | 9.36% | 9.59% | 9.60% | 9.81% | 8.94% | 9.58% | 9.60% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.67% | 118.17% | 117.60% | 111.24% | 119.07% | 115.26% | 100.06% | 97.02% | -1,422 bps | |
| Liquid Assets / Assets | 1.92% | 2.26% | 1.78% | 3.51% | 0.65% | 3.06% | 1.42% | 4.00% | +49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 162.09% | 161.18% | 165.11% | n/a | n/a | |