Toulon, IL · Cert 12386 · Stark County Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
54
Profitability
46
Liquidity
89
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Toulon, IL · Cert 12386 · Stark County Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 1.9% share · #9 of 35 inst. · $0.2B 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 | 0.77% | 0.69% | 1.08% | 1.03% | 0.92% | 0.87% | 1.12% | 1.14% | +11 bps | |
| Return on Equity | 9.19% | 8.23% | 12.42% | 11.66% | 10.18% | 9.44% | 11.31% | 11.58% | -8 bps | |
| Net Interest Margin | 2.60% | 2.66% | 2.91% | 2.95% | 3.01% | 3.03% | 3.21% | 3.25% | +30 bps | |
| Efficiency Ratio | 67.31% | 69.91% | 58.36% | 59.44% | 60.05% | 63.64% | 58.88% | 57.22% | -222 bps | |
| Non-Interest Burden | 1.64% | 1.77% | 1.56% | 1.62% | 1.68% | 1.82% | 1.79% | 1.74% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.23% | 2.11% | 2.35% | 1.45% | -1.26% | 3.63% | 4.24% | 6.39% | +494 bps | |
| Loan Growth (YoY) | 9.63% | 9.37% | 4.70% | 5.00% | 5.32% | 5.19% | 6.90% | 3.51% | -150 bps | |
| Deposit Growth (YoY) | 7.12% | 4.11% | 2.20% | 0.84% | -3.06% | 1.88% | 3.64% | 5.36% | +453 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.12% | 0.11% | 0.07% | 0.10% | 0.16% | 0.16% | 0.13% | +6 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.03% | 0.00% | 0.02% | -0.04% | -0.03% | 0.00% | 0.05% | +3 bps | |
| Allowance / Loans | 0.87% | 0.88% | 0.87% | 0.83% | 0.87% | 0.86% | 0.84% | 0.86% | +3 bps | |
| Allowance Coverage of NPLs | 7.7x | 7.2x | 7.8x | 12.0x | 8.7x | 5.4x | 5.2x | 6.5x | -5.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.73% | 9.93% | 10.11% | 10.29% | 10.37% | 10.33% | 10.36% | 10.46% | +17 bps | |
| Total Risk-Based Capital | 12.87% | 12.94% | 12.95% | 13.07% | 13.19% | 12.98% | 13.01% | 13.15% | +8 bps | |
| Equity / Assets | 8.79% | 8.53% | 8.93% | 8.99% | 9.87% | 9.90% | 9.89% | 9.73% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.45% | 74.73% | 75.30% | 75.89% | 77.62% | 77.15% | 77.67% | 74.55% | -134 bps | |
| Liquid Assets / Assets | 2.30% | 0.25% | 0.18% | 0.47% | 0.19% | 0.45% | 2.56% | 3.84% | +337 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 82.74% | 85.09% | 86.46% | n/a | n/a | |
Toulon, IL · Cert 12386 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Stark County Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.11%
Rank 348 of 746
Net Interest Margin
3.25%
Rank 537 of 746
Efficiency Ratio
57.22%
Rank 218 of 746
Equity / Assets
9.73%
Rank 464 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 53% | 348 / 746 | ||
| Return on Equity | 11.39% | 6.74% | 10.51% | 13.63% | Beats 58% | 310 / 746 | ||
| Net Interest Margin | 3.25% | 3.17% | 3.68% | 4.16% | Beats 28% | 537 / 746 | ||
| Efficiency Ratio | 57.22% | 55.74% | 64.58% | 75.47% | Beats 71% | 218 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 206 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 478 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.45% | 11.55% | 13.75% | 17.60% | Beats 36% | 478 / 746 | ||
| Total Risk-Based Capital Ratio | 13.15% | 11.71% | 14.33% | 18.43% | Beats 39% | 456 / 746 | ||
| Equity / Assets | 9.73% | 8.90% | 10.51% | 13.06% | Beats 38% | 464 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.55% | 61.31% | 78.27% | 90.78% | 44th pctl | 420 / 746 | ||
| Loans / Assets | 64.83% | 53.60% | 66.97% | 76.08% | 45th pctl | 412 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||