Yates City, IL · Cert 11715 · First Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.34% | 0.28% | 0.66% | 0.63% | 0.19% | 0.46% | 0.86% | 0.43% | -19 bps | |
| Return on Equity | 4.10% | 3.52% | 8.50% | 7.84% | 2.28% | 5.19% | 9.58% | 4.73% | -311 bps | |
| Net Interest Margin | 3.49% | 3.36% | 3.21% | 3.39% | 3.59% | 3.66% | 3.58% | 3.72% | +33 bps | |
| Efficiency Ratio | 76.03% | 84.60% | 72.46% | 78.16% | 75.68% | 76.64% | 69.82% | 86.49% | +832 bps | |
| Non-Interest Burden | 2.59% | 2.80% | 2.26% | 2.60% | 2.66% | 2.75% | 2.44% | 3.23% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | 4.13% | 10.60% | 6.85% | 4.69% | 1.27% | -2.33% | 1.16% | -569 bps | |
| Loan Growth (YoY) | 1.17% | -1.14% | -4.45% | -6.51% | -8.52% | -7.09% | -6.70% | -5.07% | +144 bps | |
| Deposit Growth (YoY) | 3.13% | 6.17% | 10.70% | 8.23% | 4.25% | -0.03% | -3.74% | 0.26% | -797 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.03% | 4.09% | 3.90% | 3.72% | 3.24% | 3.34% | 4.40% | 4.27% | +55 bps | |
| Net Charge-Offs / Loans | 0.76% | 0.14% | 0.03% | 0.33% | 1.84% | -0.18% | 0.12% | 0.10% | -23 bps | |
| Allowance / Loans | 1.38% | 1.46% | 1.57% | 1.51% | 1.28% | 1.46% | 1.50% | 1.48% | -3 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 8.98% | 8.87% | 9.22% | 9.34% | 9.26% | 9.63% | 9.74% | +52 bps | |
| Total Risk-Based Capital | 9.56% | 8.98% | 8.87% | 9.22% | 9.34% | 9.26% | 9.63% | 9.74% | +52 bps | |
| Equity / Assets | 8.31% | 7.74% | 7.78% | 8.16% | 8.64% | 8.90% | 9.13% | 9.06% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.52% | 83.29% | 76.00% | 77.73% | 77.67% | 77.41% | 73.67% | 73.60% | -413 bps | |
| Liquid Assets / Assets | 2.09% | 5.62% | 10.78% | 4.13% | 4.43% | 3.08% | 5.75% | 2.83% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 133.11% | 126.71% | 110.11% | n/a | n/a | |