Goodfield, IL · Cert 11699 · Goodfield Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 2.5% share · #8 of 35 inst. · $0.3B of $10.0B
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 | 1.80% | 1.43% | 1.78% | 2.00% | 2.06% | 1.56% | 1.98% | 2.29% | +30 bps | |
| Return on Equity | 16.49% | 13.36% | 16.65% | 18.69% | 19.32% | 14.86% | 19.45% | 22.58% | +389 bps | |
| Net Interest Margin | 3.59% | 3.59% | 3.73% | 3.91% | 4.02% | 4.05% | 3.93% | 4.10% | +19 bps | |
| Efficiency Ratio | 50.02% | 57.61% | 49.19% | 45.37% | 45.30% | 58.07% | 45.73% | 37.64% | -772 bps | |
| Non-Interest Burden | 1.23% | 1.72% | 1.38% | 1.25% | 1.26% | 1.97% | 1.30% | 1.08% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.35% | 13.29% | 9.75% | 14.90% | 12.26% | 18.62% | 23.73% | 19.42% | +452 bps | |
| Loan Growth (YoY) | 9.00% | 8.92% | 13.46% | 16.90% | 16.07% | 14.47% | 12.03% | 10.41% | -649 bps | |
| Deposit Growth (YoY) | 9.49% | 15.20% | 9.54% | 14.21% | 10.42% | 17.25% | 22.72% | 19.70% | +549 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 0.73% | 0.96% | 0.46% | 0.70% | 1.11% | 1.45% | 2.59% | +213 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.15% | 0.00% | -0.15% | 0.13% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.19% | 1.13% | 1.10% | 1.16% | 1.14% | 1.16% | 1.13% | +4 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.6x | 1.2x | 2.4x | 1.7x | 1.0x | 0.8x | 0.4x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.17% | 11.92% | 11.85% | 11.63% | 11.56% | 11.13% | 10.78% | 10.58% | -105 bps | |
| Total Risk-Based Capital | 15.32% | 15.12% | 14.99% | 14.87% | 14.80% | 14.77% | 15.43% | 10.58% | -429 bps | |
| Equity / Assets | 10.99% | 10.48% | 10.88% | 10.48% | 10.86% | 10.17% | 10.13% | 10.16% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.72% | 88.78% | 93.30% | 96.99% | 96.41% | 86.67% | 85.17% | 89.47% | -752 bps | |
| Liquid Assets / Assets | 2.19% | 6.97% | 1.79% | 0.71% | 1.17% | 10.77% | 12.25% | 8.72% | +801 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | 219% | 214% | n/a | n/a | |