Orion, IL · Cert 11739 · Orion Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (11 in holding)
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 5.5% share · #5 of 29 inst. · $0.6B of $10.5B
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 | 0.57% | 0.60% | 0.68% | 0.84% | 0.86% | 0.90% | 0.88% | 0.91% | +7 bps | |
| Return on Equity | 7.34% | 7.67% | 8.36% | 10.26% | 10.59% | 11.10% | 10.56% | 10.83% | +57 bps | |
| Net Interest Margin | 2.39% | 2.42% | 2.79% | 2.94% | 2.94% | 2.99% | 3.14% | 3.14% | +19 bps | |
| Efficiency Ratio | 73.80% | 73.09% | 70.20% | 65.86% | 65.05% | 63.97% | 64.54% | 64.10% | -176 bps | |
| Non-Interest Burden | 1.64% | 1.65% | 1.83% | 1.79% | 1.76% | 1.75% | 1.87% | 1.85% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.57% | -0.05% | 2.06% | 4.51% | 6.01% | 5.60% | 3.40% | 1.30% | -321 bps | |
| Loan Growth (YoY) | 10.36% | 7.64% | 12.52% | 12.17% | 10.86% | 11.44% | 6.25% | 4.81% | -736 bps | |
| Deposit Growth (YoY) | 0.57% | 1.73% | 2.22% | 5.33% | 6.42% | 2.91% | 3.23% | 1.71% | -363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.33% | 0.30% | 0.12% | 0.17% | 0.72% | 0.76% | 1.18% | +106 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.02% | 0.01% | 0.00% | -0.01% | -0.01% | -2 bps | |
| Allowance / Loans | 1.07% | 1.04% | 1.01% | 1.01% | 1.04% | 1.04% | 1.08% | 1.10% | +9 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.1x | 3.4x | 8.6x | 6.0x | 1.4x | 1.4x | 0.9x | -7.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.29% | 10.34% | 10.56% | 10.40% | 9.43% | 9.62% | 9.79% | 9.73% | -67 bps | |
| Total Risk-Based Capital | 10.29% | 10.34% | 10.56% | 10.40% | 9.43% | 9.62% | 9.79% | 9.73% | -67 bps | |
| Equity / Assets | 8.56% | 7.97% | 8.29% | 8.18% | 7.86% | 8.29% | 8.41% | 8.39% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.53% | 72.66% | 74.86% | 74.47% | 74.52% | 78.68% | 77.04% | 76.75% | +228 bps | |
| Liquid Assets / Assets | 1.87% | 1.84% | 2.60% | 4.06% | 4.96% | 2.19% | 4.04% | 3.71% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 239% | 249% | 244% | n/a | n/a | |