Pinckneyville, IL · Cert 13813 · First Perry Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.26% | 3.22% | 2.71% | 1.28% | 1.21% | -305 bps | |
| Return on Equity | 62.98% | 44.59% | 36.99% | 16.20% | 15.05% | -4,793 bps | |
| Net Interest Margin | 3.67% | 3.77% | 3.75% | 3.72% | 3.79% | +12 bps | |
| Efficiency Ratio | 35.60% | 41.14% | 45.08% | 61.92% | 61.65% | +2,605 bps | |
| Non-Interest Burden | -0.86% | 0.16% | 0.70% | 2.18% | 2.21% | +307 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.91% | 1.69% | -0.14% | 2.28% | 1.00% | +9 bps | |
| Loan Growth (YoY) | 12.13% | 13.39% | 14.26% | 14.77% | 15.25% | +312 bps | |
| Deposit Growth (YoY) | 2.44% | 1.69% | -2.76% | -0.49% | -1.03% | -347 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.76% | 1.58% | 1.80% | 1.93% | 2.01% | +26 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | 0.04% | 0.00% | 0.05% | +4 bps | |
| Allowance / Loans | 0.90% | 0.94% | 0.94% | 0.94% | 0.96% | +6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.58% | 12.90% | 11.29% | 11.53% | 11.78% | -80 bps | |
| Total Risk-Based Capital | 26.17% | 26.08% | 22.86% | 22.67% | 22.92% | -325 bps | |
| Equity / Assets | 7.24% | 8.58% | 7.73% | 8.09% | 8.38% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.18% | 52.43% | 52.28% | 52.63% | 56.11% | +793 bps | |
| Liquid Assets / Assets | 3.13% | 3.25% | 1.39% | 2.50% | 0.44% | -269 bps | |
| CRE / Total Capital | n/a | 75.86% | 83.66% | 76.28% | n/a | n/a | |