Sainte Marie, IL · Cert 12086
State charter, non-member · FDIC · 2 branches
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 | 1.11% | 1.41% | 2.03% | 0.91% | -0.74% | -185 bps | |
| Return on Equity | 5.36% | 6.91% | 10.11% | 4.93% | -4.25% | -961 bps | |
| Net Interest Margin | 3.61% | 3.32% | 3.31% | 3.58% | 3.39% | -21 bps | |
| Efficiency Ratio | 85.19% | 74.89% | 72.65% | 92.62% | 115.56% | +3,037 bps | |
| Non-Interest Burden | 2.92% | 2.04% | 1.80% | 3.22% | 3.96% | +104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.51% | 21.21% | 30.73% | 33.35% | 25.83% | +233 bps | |
| Loan Growth (YoY) | 0.53% | 17.94% | 40.39% | 49.55% | 59.53% | +5,900 bps | |
| Deposit Growth (YoY) | 26.59% | 24.42% | 34.82% | 38.78% | 31.42% | +483 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.33% | 0.31% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 1.36% | 0.37% | +37 bps | |
| Allowance / Loans | 1.65% | 1.42% | 1.44% | 1.14% | 1.60% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 3.5x | 5.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.64% | 19.09% | 19.50% | 18.45% | 15.83% | -481 bps | |
| Total Risk-Based Capital | 20.64% | 19.09% | 19.50% | 18.45% | 15.83% | -481 bps | |
| Equity / Assets | 18.46% | 19.64% | 19.30% | 17.66% | 15.53% | -293 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.96% | 47.56% | 53.22% | 50.59% | 47.29% | +833 bps | |
| Liquid Assets / Assets | 44.82% | 27.92% | 28.03% | 37.19% | 38.40% | -642 bps | |
| CRE / Total Capital | n/a | 26.14% | 36.40% | 37.88% | n/a | n/a | |