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 | |