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Bank of Rantoul

Rantoul, IL · Cert 11711 · Bancorp of Rantoul Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$285.8MAssets
$96.4MLoans
$223.3MDeposits
$27.5MEquity
Loan mix
69%RE $55.5M29%C&I $23.7M2%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $190.5M15%Noninterest $32.8MQ3 2024Q2 2026

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 2.1% share · #11 of 33 inst. · $0.2B of $8.7B

2.5% Champaign
2.4% Vermilion

Executive Summary

  • Earnings: ROA of 0.87%, down 56 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.75%, down 31 bps from a year ago.
  • Funding: loans stand at 43.14% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.87%-56 bps YoY

Net Interest Margin (quarter, annualized)

2.94%-13 bps YoY

Efficiency Ratio (quarter, annualized)

64.87%+2,258 bps YoY

Tier 1 Leverage Ratio

10.75%-31 bps YoY

NIM

4.87%Q2 ’244.79%Q2 ’254.67%Q2 ’26-4%-4%

Non-interest income vs. expense

1.48%Q2 ’241.38%Q2 ’252.02%Q2 ’26-5%+56%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.10%1.58%1.43%1.39%1.43%1.52%0.87%-56 bps
Return on Equity13.02%11.64%17.20%15.75%14.52%14.11%15.62%9.20%-656 bps
Net Interest Margin3.18%3.14%3.16%3.07%3.19%3.16%2.90%2.94%-13 bps
Efficiency Ratio48.42%57.08%39.63%42.29%44.54%53.13%40.58%64.87%+2,258 bps
Non-Interest Burden1.41%1.68%1.10%1.18%1.29%1.54%1.03%1.84%+66 bps
Growth
Asset Growth (YoY)5.99%4.14%2.69%7.84%0.04%7.74%7.90%10.54%+270 bps
Loan Growth (YoY)4.34%8.80%1.57%-3.87%0.07%-2.25%4.46%-0.31%+356 bps
Deposit Growth (YoY)0.98%3.69%2.45%2.82%-0.44%6.64%9.55%9.96%+713 bps
Asset Quality
Nonperforming Loans / Loans2.11%1.87%1.74%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.29%0.03%0.32%1.06%0.00%-0.01%-0.03%-0.01%-107 bps
Allowance / Loans1.84%1.81%2.02%1.86%1.80%1.83%1.91%2.04%+17 bps
Allowance Coverage of NPLs0.9x1.0x1.2xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.03%10.99%10.98%11.06%11.51%11.05%10.72%10.75%-31 bps
Total Risk-Based Capital11.03%10.99%10.98%11.06%11.51%11.05%10.72%10.75%-31 bps
Equity / Assets9.57%9.28%9.04%9.14%10.08%10.13%9.33%9.62%+48 bps
Liquidity & Funding
Loans / Deposits50.73%52.81%47.79%47.59%50.99%48.41%45.57%43.14%-444 bps
Liquid Assets / Assets5.42%2.40%11.55%10.51%5.69%4.35%10.96%9.72%-79 bps
CRE / Total Capitaln/an/an/an/a92.38%91.25%95.65%n/an/a