Nauvoo, IL · Cert 13582
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.30% | -1.10% | 0.73% | -1.12% | 0.49% | -0.38% | 0.29% | 0.41% | +153 bps | |
| Return on Equity | 3.55% | -12.87% | 8.46% | -12.76% | 5.80% | -4.54% | 3.41% | 4.87% | +1,763 bps | |
| Net Interest Margin | 3.64% | 3.76% | 3.54% | 3.72% | 3.62% | 3.78% | 3.57% | 3.56% | -16 bps | |
| Efficiency Ratio | 82.61% | 72.42% | 80.45% | 81.77% | 79.26% | 81.86% | 91.74% | 88.30% | +653 bps | |
| Non-Interest Burden | 2.99% | 2.61% | 2.79% | 2.98% | 2.79% | 3.01% | 3.26% | 3.11% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.82% | -0.58% | -0.39% | -5.49% | -0.53% | -1.68% | 2.31% | 4.57% | +1,006 bps | |
| Loan Growth (YoY) | -3.98% | -3.34% | -0.95% | -8.95% | -9.17% | -7.92% | -9.72% | -1.95% | +700 bps | |
| Deposit Growth (YoY) | -2.23% | -0.80% | -0.59% | -5.71% | -0.31% | -1.71% | 2.85% | 4.63% | +1,035 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.21% | 6.28% | 6.27% | 3.82% | 4.48% | 4.55% | 2.35% | 3.71% | -11 bps | |
| Net Charge-Offs / Loans | -0.04% | 2.82% | -0.02% | 6.44% | 0.17% | 6.77% | 0.11% | -0.06% | -651 bps | |
| Allowance / Loans | 2.00% | 2.47% | 2.44% | 1.89% | 1.99% | 0.93% | 0.90% | 0.91% | -98 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.4x | 0.5x | 0.4x | 0.2x | 0.4x | 0.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.21% | 8.45% | 8.30% | 8.17% | 8.15% | 8.35% | 8.31% | +1 bps | |
| Total Risk-Based Capital | 18.67% | 18.45% | 18.58% | 16.30% | 16.20% | 16.37% | 16.47% | 16.68% | +38 bps | |
| Equity / Assets | 8.49% | 8.53% | 8.79% | 8.72% | 8.30% | 8.61% | 8.42% | 8.54% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.42% | 59.62% | 61.20% | 58.04% | 54.14% | 55.85% | 53.72% | 54.39% | -365 bps | |
| Liquid Assets / Assets | 40.69% | 40.29% | 38.24% | 41.50% | 42.93% | 41.77% | 43.73% | 39.95% | -155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 27.50% | 26.18% | 25.67% | n/a | n/a | |