Lanark, IL · Cert 12402 · Lanark Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.04% | 0.33% | 1.14% | 1.35% | +24 bps | |
| Return on Equity | 12.67% | 11.64% | 3.47% | 12.03% | 14.53% | +186 bps | |
| Net Interest Margin | 2.91% | 3.01% | 3.10% | 2.97% | 3.12% | +21 bps | |
| Efficiency Ratio | 58.66% | 61.92% | 68.43% | 58.14% | 53.92% | -474 bps | |
| Non-Interest Burden | 1.48% | 1.68% | 1.96% | 1.53% | 1.42% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.45% | 2.10% | -0.77% | 8.04% | 0.01% | -644 bps | |
| Loan Growth (YoY) | 2.01% | 6.38% | 2.12% | 6.91% | 7.14% | +513 bps | |
| Deposit Growth (YoY) | 12.76% | 1.73% | -3.47% | 7.92% | -1.21% | -1,397 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 0.98% | 1.05% | 1.06% | 1.06% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 19.3x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.92% | 11.54% | 11.50% | 11.39% | 11.47% | -45 bps | |
| Total Risk-Based Capital | 11.92% | 14.99% | 11.50% | 11.39% | 11.47% | -45 bps | |
| Equity / Assets | 8.55% | 9.36% | 9.75% | 9.19% | 9.32% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.94% | 62.23% | 66.56% | 62.94% | 62.84% | +490 bps | |
| Liquid Assets / Assets | 11.82% | 7.91% | 5.66% | 10.12% | 8.31% | -350 bps | |
| CRE / Total Capital | n/a | 36.44% | 42.12% | 45.25% | n/a | n/a | |