Farmington, IL · Cert 11732 · Farmington Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
47
Profitability
21
Liquidity
62
Efficiency
11
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Farmington, IL · Cert 11732 · Farmington Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.4% share · #29 of 35 inst. · $0.0B of $10.0B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.43% | 0.51% | 0.60% | 0.74% | 0.66% | 0.40% | 0.44% | -16 bps | |
| Return on Equity | 4.49% | 4.75% | 5.58% | 6.59% | 8.07% | 7.04% | 4.10% | 4.59% | -200 bps | |
| Net Interest Margin | 2.69% | 2.75% | 2.89% | 3.01% | 3.09% | 3.07% | 3.14% | 3.28% | +27 bps | |
| Efficiency Ratio | 82.33% | 81.33% | 77.90% | 74.55% | 71.00% | 74.08% | 84.33% | 82.63% | +809 bps | |
| Non-Interest Burden | 2.17% | 2.19% | 2.19% | 2.18% | 2.09% | 2.19% | 2.61% | 2.66% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -0.69% | 3.07% | -1.01% | 2.92% | 3.35% | 0.38% | 5.55% | +656 bps | |
| Loan Growth (YoY) | -1.58% | -2.31% | -4.60% | -3.93% | 1.73% | -0.20% | 1.21% | 1.67% | +560 bps | |
| Deposit Growth (YoY) | 5.84% | 4.79% | 6.86% | 0.12% | 3.34% | 1.55% | 1.62% | 4.42% | +430 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.37% | 1.98% | 2.18% | 2.55% | 1.19% | 1.67% | 0.20% | -199 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.16% | 0.03% | 0.01% | 0.01% | 0.11% | -0.01% | 0.30% | +29 bps | |
| Allowance / Loans | 0.97% | 0.99% | 1.05% | 1.08% | 1.05% | 0.99% | 1.04% | 0.91% | -17 bps | |
| Allowance Coverage of NPLs | 1.0x | 2.7x | 0.5x | 0.5x | 0.4x | 0.8x | 0.6x | 4.6x | +4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.45% | 10.57% | 10.47% | 10.61% | 10.73% | 10.61% | 10.70% | 10.96% | +36 bps | |
| Total Risk-Based Capital | 14.07% | 14.07% | 14.20% | 14.56% | 14.38% | 14.34% | 14.65% | 14.78% | +22 bps | |
| Equity / Assets | 9.31% | 9.13% | 9.01% | 9.27% | 9.48% | 9.65% | 9.77% | 9.58% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.17% | 82.73% | 79.14% | 80.24% | 81.87% | 81.30% | 78.83% | 78.13% | -211 bps | |
| Liquid Assets / Assets | 8.52% | 8.23% | 11.49% | 8.28% | 8.43% | 8.47% | 9.58% | 10.56% | +228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 265% | 247% | 253% | n/a | n/a | |
Farmington, IL · Cert 11732 · Peer group: banks under $1B in assets in IL (n=149-151) · Farmington Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.44%
Rank 132 of 151
Net Interest Margin
3.28%
Rank 96 of 151
Efficiency Ratio
82.63%
Rank 135 of 151
Equity / Assets
9.58%
Rank 100 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.70% | 1.03% | 1.34% | Beats 13% | 132 / 151 | ||
| Return on Equity | 4.56% | 6.74% | 9.34% | 12.94% | Beats 13% | 131 / 151 | ||
| Net Interest Margin | 3.28% | 3.02% | 3.43% | 3.83% | Beats 36% | 96 / 151 | ||
| Efficiency Ratio | 82.63% | 54.64% | 64.89% | 72.50% | Beats 11% | 135 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.66% | 1.77% | Beats 76% | 37 / 149 | ||
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.02% | 0.07% | Beats 17% | 124 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.96% | 11.83% | 14.17% | 18.66% | Beats 48% | 79 / 151 | ||
| Total Risk-Based Capital Ratio | 14.78% | 12.22% | 14.54% | 19.92% | Beats 52% | 73 / 151 | ||
| Equity / Assets | 9.58% | 9.10% | 10.65% | 12.40% | Beats 34% | 100 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.13% | 54.39% | 71.02% | 80.75% | 68th pctl | 48 / 149 | ||
| Loans / Assets | 68.89% | 45.91% | 61.31% | 68.01% | 77th pctl | 35 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||