Elmwood, IL · Cert 12107 · Elmwood Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.6% share · #23 of 35 inst. · $0.1B of $10.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.32% | 0.26% | -0.09% | 0.18% | 0.26% | -2.06% | 0.45% | 0.42% | +24 bps | |
| Return on Equity | -51.51% | 11.07% | -4.14% | 7.56% | 8.94% | -63.49% | 14.21% | 12.01% | +445 bps | |
| Net Interest Margin | 2.19% | 2.47% | 2.39% | 2.83% | 2.76% | 2.87% | 3.08% | 3.01% | +19 bps | |
| Efficiency Ratio | 129.88% | 88.01% | 103.31% | 92.70% | 89.77% | 91.61% | 81.80% | 82.53% | -1,017 bps | |
| Non-Interest Burden | 2.88% | 2.15% | 2.48% | 2.60% | 2.46% | 2.61% | 2.49% | 2.43% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.51% | 11.54% | -3.61% | -8.02% | -4.74% | -6.00% | 8.12% | 6.79% | +1,481 bps | |
| Loan Growth (YoY) | 4.98% | 3.17% | 1.40% | -5.79% | -7.63% | -6.30% | -5.53% | -5.09% | +70 bps | |
| Deposit Growth (YoY) | 7.92% | 11.62% | 3.04% | -5.17% | -3.47% | -5.83% | 4.33% | 5.24% | +1,040 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.83% | 3.31% | 3.32% | 3.99% | 6.09% | 10.31% | 3.95% | 4.30% | +31 bps | |
| Net Charge-Offs / Loans | 1.37% | -0.61% | -0.02% | 0.06% | 0.27% | 5.27% | 0.00% | 0.01% | -4 bps | |
| Allowance / Loans | 1.16% | 1.34% | 1.36% | 1.39% | 1.33% | 1.15% | 1.15% | 1.24% | -15 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.4x | 0.4x | 0.3x | 0.2x | 0.1x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.55% | 7.38% | 7.65% | 8.27% | 7.93% | 7.34% | 7.34% | 8.18% | -9 bps | |
| Total Risk-Based Capital | 13.56% | 13.83% | 14.01% | 14.54% | 14.25% | 13.22% | 13.56% | 15.41% | +87 bps | |
| Equity / Assets | 2.91% | 1.83% | 2.42% | 2.40% | 3.34% | 3.15% | 3.13% | 3.91% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.78% | 58.93% | 62.21% | 64.79% | 59.12% | 58.64% | 56.33% | 58.43% | -636 bps | |
| Liquid Assets / Assets | 12.18% | 14.03% | 4.19% | 3.02% | 10.72% | 6.50% | 7.36% | 3.08% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 164.94% | 174.75% | 149.61% | n/a | n/a | |