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 (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 | 0.80% | 0.44% | 1.08% | 0.97% | 0.72% | 0.71% | 1.12% | 1.16% | +19 bps | |
| Return on Equity | 9.38% | 5.12% | 12.42% | 10.87% | 7.60% | 7.20% | 11.31% | 11.85% | +99 bps | |
| Net Interest Margin | 2.68% | 2.76% | 2.91% | 2.98% | 3.12% | 3.16% | 3.21% | 3.33% | +35 bps | |
| Efficiency Ratio | 66.18% | 77.46% | 58.36% | 60.52% | 61.22% | 73.92% | 58.88% | 55.67% | -485 bps | |
| Non-Interest Burden | 1.67% | 2.06% | 1.56% | 1.69% | 1.79% | 2.24% | 1.79% | 1.71% | +2 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 | 0.00% | 0.15% | 0.00% | 0.04% | -0.15% | 0.01% | 0.00% | 0.10% | +6 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 | |