Rantoul, IL · Cert 11711 · Bancorp of Rantoul Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 2.1% share · #11 of 33 inst. · $0.2B 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 | 1.43% | 1.39% | 1.43% | 1.52% | 0.87% | -56 bps | |
| Return on Equity | 15.75% | 14.52% | 14.11% | 15.62% | 9.20% | -656 bps | |
| Net Interest Margin | 3.07% | 3.19% | 3.16% | 2.90% | 2.94% | -13 bps | |
| Efficiency Ratio | 42.29% | 44.54% | 53.13% | 40.58% | 64.87% | +2,258 bps | |
| Non-Interest Burden | 1.18% | 1.29% | 1.54% | 1.03% | 1.84% | +66 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.84% | 0.04% | 7.74% | 7.90% | 10.54% | +270 bps | |
| Loan Growth (YoY) | -3.87% | 0.07% | -2.25% | 4.46% | -0.31% | +356 bps | |
| Deposit Growth (YoY) | 2.82% | -0.44% | 6.64% | 9.55% | 9.96% | +713 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.06% | 0.00% | -0.01% | -0.03% | -0.01% | -107 bps | |
| Allowance / Loans | 1.86% | 1.80% | 1.83% | 1.91% | 2.04% | +17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.06% | 11.51% | 11.05% | 10.72% | 10.75% | -31 bps | |
| Total Risk-Based Capital | 11.06% | 11.51% | 11.05% | 10.72% | 10.75% | -31 bps | |
| Equity / Assets | 9.14% | 10.08% | 10.13% | 9.33% | 9.62% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.59% | 50.99% | 48.41% | 45.57% | 43.14% | -444 bps | |
| Liquid Assets / Assets | 10.51% | 5.69% | 4.35% | 10.96% | 9.72% | -79 bps | |
| CRE / Total Capital | n/a | 92.38% | 91.25% | 95.65% | n/a | n/a | |