Hardin, IL · Cert 12549 · BCC Bancshares 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 in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
86
Profitability
58
Liquidity
44
Efficiency
65
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.
Hardin, IL · Cert 12549 · BCC Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #78 of 111 inst. · $0.1B of $141.7B
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 | 0.97% | 0.98% | 0.88% | 1.02% | 0.97% | 0.99% | 0.95% | 1.07% | +5 bps | |
| Return on Equity | 11.48% | 11.48% | 9.87% | 11.26% | 10.65% | 10.73% | 9.91% | 11.32% | +6 bps | |
| Net Interest Margin | 2.99% | 3.04% | 2.95% | 3.11% | 3.15% | 3.17% | 3.22% | 3.32% | +21 bps | |
| Efficiency Ratio | 58.73% | 60.04% | 61.07% | 59.56% | 60.59% | 62.63% | 65.79% | 61.09% | +153 bps | |
| Non-Interest Burden | 1.66% | 1.73% | 1.71% | 1.76% | 1.81% | 1.90% | 2.05% | 1.94% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.55% | 2.94% | -2.14% | -2.13% | 0.66% | 1.15% | -0.32% | 4.04% | +617 bps | |
| Loan Growth (YoY) | 6.66% | 5.78% | 2.05% | 3.09% | 3.34% | 7.87% | 9.84% | 11.15% | +806 bps | |
| Deposit Growth (YoY) | 10.55% | 2.26% | -3.33% | -3.26% | 0.01% | 0.44% | -0.94% | 4.12% | +738 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.03% | 0.01% | 0.02% | 0.01% | 0.23% | +20 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | -0.04% | -0.02% | 0.00% | 0.00% | -0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 0.60% | 0.59% | 0.61% | 0.60% | 0.58% | 0.54% | 0.54% | 0.53% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 31.8x | 23.8x | 46.8x | 31.2x | 40.3x | 2.3x | -21.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.84% | 8.86% | 9.12% | 9.36% | 9.61% | 9.46% | 9.60% | 9.72% | +36 bps | |
| Total Risk-Based Capital | 19.32% | 19.60% | 23.13% | 19.83% | 19.47% | 18.95% | 19.84% | 19.30% | -53 bps | |
| Equity / Assets | 8.74% | 8.93% | 8.97% | 9.35% | 9.29% | 9.54% | 9.54% | 9.37% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.81% | 55.39% | 53.61% | 55.03% | 54.57% | 59.49% | 59.45% | 58.75% | +372 bps | |
| Liquid Assets / Assets | 29.35% | 22.19% | 31.26% | 29.60% | 29.18% | 25.80% | 23.91% | 25.55% | -405 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 109.83% | 121.73% | 118.42% | n/a | n/a | |
Hardin, IL · Cert 12549 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · BCC Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.05%
Rank 19 of 40
Net Interest Margin
3.32%
Rank 18 of 40
Efficiency Ratio
61.09%
Rank 15 of 40
Equity / Assets
9.37%
Rank 22 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.64% | 1.04% | 1.26% | Beats 53% | 19 / 40 | ||
| Return on Equity | 11.26% | 6.25% | 9.97% | 13.41% | Beats 65% | 14 / 40 | ||
| Net Interest Margin | 3.32% | 3.09% | 3.22% | 3.62% | Beats 55% | 18 / 40 | ||
| Efficiency Ratio | 61.09% | 57.08% | 64.37% | 75.86% | Beats 65% | 15 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.14% | 0.62% | 1.92% | Beats 71% | 12 / 38 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 100% | 9 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.74% | 10.29% | 12.88% | 15.77% | Beats 85% | 6 / 40 | ||
| Total Risk-Based Capital Ratio | 19.30% | 10.64% | 13.30% | 17.01% | Beats 83% | 7 / 40 | ||
| Equity / Assets | 9.37% | 8.59% | 9.46% | 12.46% | Beats 45% | 22 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.75% | 66.12% | 79.48% | 94.60% | 18th pctl | 33 / 40 | ||
| Loans / Assets | 52.96% | 54.69% | 68.52% | 77.46% | 23rd pctl | 31 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||