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 (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 | 1.35% | 1.26% | 1.37% | 1.31% | 1.32% | 1.48% | 1.43% | 1.70% | +38 bps | |
| Return on Equity | 8.87% | 8.33% | 9.11% | 8.50% | 8.41% | 9.42% | 9.16% | 10.79% | +230 bps | |
| Net Interest Margin | 2.96% | 2.97% | 2.94% | 2.99% | 3.00% | 3.17% | 3.10% | 3.37% | +38 bps | |
| Efficiency Ratio | 45.12% | 47.14% | 47.80% | 43.09% | 46.62% | 43.33% | 43.66% | 37.55% | -553 bps | |
| Non-Interest Burden | 1.28% | 1.35% | 1.21% | 1.33% | 1.35% | 1.30% | 1.26% | 1.22% | -11 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 | -0.05% | 0.01% | 0.00% | 0.03% | 0.00% | -0.01% | -0.02% | 0.00% | -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 | |