Forrest, IL · Cert 11669 · Forrest Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 0.9% share · #23 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.92% | 1.22% | 0.67% | 0.61% | -28 bps | |
| Return on Equity | 10.53% | 10.83% | 13.98% | 7.60% | 6.91% | -363 bps | |
| Net Interest Margin | 3.14% | 3.16% | 3.45% | 3.43% | 3.60% | +46 bps | |
| Efficiency Ratio | 64.78% | 65.73% | 58.21% | 66.27% | 64.35% | -43 bps | |
| Non-Interest Burden | 1.91% | 1.90% | 1.83% | 2.21% | 2.23% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.91% | 8.33% | 8.09% | 7.07% | 2.98% | -394 bps | |
| Loan Growth (YoY) | 8.07% | 8.43% | 8.15% | 5.22% | -0.38% | -844 bps | |
| Deposit Growth (YoY) | 6.26% | 7.88% | 8.87% | 8.91% | 6.07% | -19 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.68% | 1.84% | 1.72% | 1.95% | 1.83% | +15 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.16% | 0.14% | 0.18% | 0.74% | +55 bps | |
| Allowance / Loans | 0.91% | 0.88% | 0.87% | 0.94% | 0.94% | +3 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.77% | 8.72% | 8.97% | 8.96% | 9.06% | +29 bps | |
| Total Risk-Based Capital | 11.78% | 11.75% | 12.15% | 12.48% | 12.91% | +113 bps | |
| Equity / Assets | 8.45% | 8.60% | 8.88% | 8.80% | 8.95% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.90% | 104.31% | 102.42% | 99.77% | 98.52% | -638 bps | |
| Liquid Assets / Assets | 4.17% | 4.15% | 4.64% | 6.94% | 7.87% | +370 bps | |
| CRE / Total Capital | n/a | 210% | 214% | 209% | n/a | n/a | |