Lena, IL · Cert 12395
FDIC · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.08% | 1.10% | 0.84% | 1.09% | 1.07% | 0.97% | 0.88% | +4 bps | |
| Return on Equity | 11.01% | 13.11% | 13.18% | 9.50% | 12.10% | 11.35% | 10.13% | 9.12% | -38 bps | |
| Net Interest Margin | 2.95% | 2.94% | 2.89% | 2.81% | 2.88% | 2.81% | 2.64% | 2.64% | -17 bps | |
| Efficiency Ratio | 57.03% | 55.22% | 53.89% | 54.39% | 55.40% | 55.10% | 56.71% | 60.72% | +633 bps | |
| Non-Interest Burden | 1.59% | 1.52% | 1.42% | 1.41% | 1.51% | 1.45% | 1.41% | 1.51% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.79% | 3.63% | 3.67% | 1.36% | 4.09% | 3.60% | 1.19% | 0.44% | -92 bps | |
| Loan Growth (YoY) | 9.72% | 7.98% | 12.51% | 11.35% | 13.48% | 14.06% | 1.09% | -1.34% | -1,269 bps | |
| Deposit Growth (YoY) | -4.66% | 3.88% | -0.39% | -0.84% | -0.07% | -4.19% | -0.71% | -5.43% | -460 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.68% | 0.63% | 0.58% | 0.56% | 0.53% | 0.55% | 0.52% | -6 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.30% | 1.22% | 1.21% | 1.21% | 1.18% | 1.22% | 1.25% | +5 bps | |
| Allowance Coverage of NPLs | n/a | 1.9x | 1.9x | 2.1x | 2.2x | 2.2x | 2.2x | 2.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.39% | 11.29% | 11.49% | 11.60% | 11.62% | 11.59% | 11.69% | 11.97% | +37 bps | |
| Total Risk-Based Capital | 11.39% | 11.29% | 11.49% | 11.60% | 11.62% | 11.59% | 11.69% | 11.97% | +37 bps | |
| Equity / Assets | 8.50% | 7.92% | 8.83% | 8.86% | 9.09% | 9.73% | 9.36% | 9.91% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.51% | 68.16% | 74.42% | 76.83% | 78.93% | 81.15% | 75.77% | 80.15% | +332 bps | |
| Liquid Assets / Assets | 1.53% | 3.31% | 0.66% | 0.64% | 0.65% | 0.92% | 4.88% | 2.31% | +167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |