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 | |