Forreston, IL · Cert 11741 · High Point Finl Services Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Rockford, IL · 2026 SOD (annual) · 2.0% share · #13 of 21 inst. · $0.2B of $9.0B
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 | 0.35% | 0.35% | 0.68% | 0.61% | 0.72% | 0.64% | 0.80% | 0.78% | +16 bps | |
| Return on Equity | 7.47% | 7.55% | 15.15% | 13.55% | 14.98% | 12.68% | 13.77% | 13.53% | -2 bps | |
| Net Interest Margin | 2.10% | 2.19% | 2.49% | 2.59% | 2.75% | 2.69% | 2.75% | 2.79% | +19 bps | |
| Efficiency Ratio | 82.05% | 82.87% | 69.47% | 73.39% | 70.18% | 72.82% | 64.74% | 67.62% | -577 bps | |
| Non-Interest Burden | 1.65% | 1.73% | 1.62% | 1.80% | 1.81% | 1.85% | 1.65% | 1.74% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.56% | 1.60% | -5.61% | -12.46% | -10.01% | -1.51% | -1.41% | 4.99% | +1,745 bps | |
| Loan Growth (YoY) | 7.71% | 1.47% | 0.42% | -2.52% | -5.84% | -3.69% | -4.92% | -0.73% | +179 bps | |
| Deposit Growth (YoY) | -5.28% | -4.03% | 2.71% | -5.00% | -4.79% | -1.69% | -5.55% | 2.71% | +771 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.39% | 1.42% | 1.80% | 1.84% | 0.44% | 0.44% | 0.45% | 0.49% | -134 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.01% | -0.01% | 0.03% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.89% | 0.89% | 0.90% | 0.92% | 0.95% | 0.89% | 0.92% | 0.90% | -2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.5x | 2.2x | 2.0x | 2.1x | 1.8x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.94% | 7.96% | 8.54% | 8.74% | 9.00% | 8.67% | 8.77% | 8.83% | +9 bps | |
| Total Risk-Based Capital | 12.81% | 12.76% | 12.99% | 13.30% | 13.91% | 13.63% | 14.23% | 14.08% | +79 bps | |
| Equity / Assets | 5.25% | 4.28% | 4.72% | 4.62% | 5.74% | 5.89% | 5.68% | 5.71% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.06% | 67.53% | 63.18% | 66.29% | 63.35% | 66.16% | 63.60% | 64.07% | -222 bps | |
| Liquid Assets / Assets | 1.65% | 1.54% | 1.53% | 1.04% | 0.88% | 0.79% | 3.17% | 2.94% | +190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 187.72% | 193.17% | 183.87% | n/a | n/a | |