Hartsburg, IL · Cert 11716
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | 0.02% | 0.07% | 0.36% | 0.22% | +37 bps | |
| Return on Equity | -1.99% | 0.20% | 0.94% | 4.44% | 2.61% | +460 bps | |
| Net Interest Margin | 2.83% | 2.84% | 2.98% | 2.88% | 2.80% | -3 bps | |
| Efficiency Ratio | 105.26% | 99.49% | 97.46% | 87.94% | 92.73% | -1,254 bps | |
| Non-Interest Burden | 2.99% | 2.82% | 2.90% | 2.51% | 2.58% | -41 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.98% | -8.57% | 10.32% | 8.37% | 10.73% | +1,171 bps | |
| Loan Growth (YoY) | -4.55% | -2.54% | -5.45% | -6.78% | -9.36% | -481 bps | |
| Deposit Growth (YoY) | -2.48% | -10.15% | 1.68% | 17.63% | 10.44% | +1,292 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.74% | 1.65% | 0.80% | 0.22% | 0.20% | -154 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.10% | 2.45% | 1.29% | +129 bps | |
| Allowance / Loans | 3.15% | 3.11% | 3.21% | 2.79% | 2.94% | -21 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 4.0x | 12.6x | 14.9x | +13.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.56% | 12.06% | 12.80% | 11.35% | 11.51% | -105 bps | |
| Total Risk-Based Capital | 12.56% | 12.06% | 12.80% | 11.35% | 11.51% | -105 bps | |
| Equity / Assets | 8.55% | 9.01% | 7.59% | 8.86% | 8.45% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 41.20% | 41.79% | 36.04% | 37.56% | 33.81% | -739 bps | |
| Liquid Assets / Assets | 13.65% | 11.86% | 31.87% | 10.46% | 9.52% | -413 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |