Piper City, IL · Cert 11667 · Piper Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
73
Profitability
50
Liquidity
80
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Piper City, IL · Cert 11667 · Piper Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.1% share · #20 of 33 inst. · $0.1B of $8.7B
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 | 1.39% | 1.36% | 1.37% | 1.34% | 1.33% | 1.37% | 1.43% | 1.56% | +22 bps | |
| Return on Equity | 9.35% | 9.15% | 9.11% | 8.81% | 8.64% | 8.90% | 9.16% | 9.98% | +117 bps | |
| Net Interest Margin | 2.99% | 2.94% | 2.94% | 2.95% | 2.91% | 2.93% | 3.10% | 3.20% | +24 bps | |
| Efficiency Ratio | 43.29% | 44.25% | 47.80% | 45.59% | 45.94% | 45.24% | 43.66% | 40.49% | -510 bps | |
| Non-Interest Burden | 1.21% | 1.23% | 1.21% | 1.27% | 1.27% | 1.26% | 1.26% | 1.23% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.33% | -1.34% | 1.18% | 3.72% | 6.07% | 7.79% | 8.60% | 10.13% | +641 bps | |
| Loan Growth (YoY) | 18.45% | 7.90% | 8.41% | 8.08% | 5.99% | 3.76% | 3.11% | 6.71% | -137 bps | |
| Deposit Growth (YoY) | -1.76% | 0.99% | 5.36% | 4.82% | 10.40% | 8.06% | 10.58% | 9.76% | +494 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.17% | 0.12% | 0.13% | 0.63% | 0.28% | 0.60% | 0.03% | -10 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.05% | 0.00% | 0.01% | 0.01% | 0.01% | -0.02% | -0.01% | -3 bps | |
| Allowance / Loans | 1.18% | 1.14% | 1.16% | 1.15% | 1.10% | 1.09% | 1.13% | 1.09% | -6 bps | |
| Allowance Coverage of NPLs | 3.4x | 6.5x | 9.6x | 9.2x | 1.8x | 3.9x | 1.9x | 43.0x | +33.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.78% | 16.64% | 16.83% | 16.94% | 16.66% | 16.62% | 16.72% | 16.70% | -24 bps | |
| Total Risk-Based Capital | 28.45% | 26.48% | 26.85% | 27.65% | 28.02% | 26.97% | 27.41% | 27.61% | -4 bps | |
| Equity / Assets | 15.61% | 14.77% | 15.35% | 15.56% | 15.93% | 15.51% | 15.71% | 15.70% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.36% | 78.29% | 73.29% | 73.87% | 74.26% | 75.18% | 68.34% | 71.82% | -205 bps | |
| Liquid Assets / Assets | 1.21% | 1.05% | 1.30% | 1.30% | 1.14% | 1.43% | 3.35% | 1.80% | +51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 4.65% | 4.42% | 3.65% | n/a | n/a | |
Piper City, IL · Cert 11667 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Piper Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.53%
Rank 162 of 746
Net Interest Margin
3.20%
Rank 551 of 746
Efficiency Ratio
40.49%
Rank 26 of 746
Equity / Assets
15.70%
Rank 82 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.72% | 1.06% | 1.45% | Beats 78% | 162 / 746 | ||
| Return on Equity | 9.76% | 6.74% | 10.51% | 13.63% | Beats 45% | 413 / 746 | ||
| Net Interest Margin | 3.20% | 3.17% | 3.68% | 4.16% | Beats 26% | 551 / 746 | ||
| Efficiency Ratio | 40.49% | 55.74% | 64.58% | 75.47% | Beats 97% | 26 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.07% | Beats 81% | 144 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 65% | 264 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.59% | 11.55% | 13.75% | 17.60% | Beats 93% | 55 / 746 | ||
| Total Risk-Based Capital Ratio | 27.61% | 11.71% | 14.33% | 18.43% | Beats 93% | 52 / 746 | ||
| Equity / Assets | 15.70% | 8.90% | 10.51% | 13.06% | Beats 89% | 82 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.82% | 61.31% | 78.27% | 90.78% | 38th pctl | 463 / 746 | ||
| Loans / Assets | 58.03% | 53.60% | 66.97% | 76.08% | 32nd pctl | 505 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||