Olney, IL · Cert 14567 · Summit Bancshares Ltd.
National charter · OCC · 6 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 | 0.24% | 1.67% | 0.82% | 0.82% | 0.79% | 1.08% | 1.38% | 1.02% | +20 bps | |
| Return on Equity | 2.46% | 17.25% | 8.70% | 8.40% | 7.73% | 10.28% | 13.46% | 10.04% | +164 bps | |
| Net Interest Margin | 3.02% | 2.96% | 2.94% | 3.08% | 3.08% | 3.23% | 3.04% | 3.27% | +19 bps | |
| Efficiency Ratio | 62.60% | 63.02% | 63.28% | 60.44% | 58.54% | 60.74% | 60.49% | 59.82% | -62 bps | |
| Non-Interest Burden | 1.75% | 1.73% | 1.70% | 1.66% | 1.59% | 1.79% | 1.66% | 1.77% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.20% | 3.34% | 3.67% | 1.34% | -1.30% | 1.62% | 2.25% | 2.42% | +108 bps | |
| Loan Growth (YoY) | 7.73% | 4.64% | 5.05% | 4.99% | 2.00% | -1.66% | -7.09% | -8.83% | -1,382 bps | |
| Deposit Growth (YoY) | 2.99% | 3.49% | 4.47% | 1.47% | -1.47% | 0.39% | 1.45% | 1.92% | +45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.49% | 0.41% | 0.81% | 0.92% | 1.08% | 1.46% | 1.60% | +79 bps | |
| Net Charge-Offs / Loans | 0.94% | -1.05% | 0.14% | 0.01% | 0.59% | -0.11% | 0.00% | 0.18% | +17 bps | |
| Allowance / Loans | 1.40% | 1.15% | 1.18% | 1.31% | 1.38% | 1.41% | 1.23% | 1.26% | -5 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.4x | 2.9x | 1.6x | 1.5x | 1.3x | 0.8x | 0.8x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.50% | 10.56% | 10.61% | 10.80% | 10.90% | 10.83% | 10.83% | +22 bps | |
| Total Risk-Based Capital | 10.50% | 10.50% | 10.56% | 10.61% | 10.80% | 10.90% | 10.83% | 10.83% | +22 bps | |
| Equity / Assets | 9.92% | 9.42% | 9.51% | 9.90% | 10.55% | 10.51% | 9.99% | 10.33% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.49% | 62.70% | 60.29% | 62.19% | 63.66% | 61.42% | 55.22% | 55.63% | -656 bps | |
| Liquid Assets / Assets | 5.93% | 4.30% | 8.14% | 7.62% | 7.41% | 8.18% | 11.37% | 9.61% | +198 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.83% | 78.85% | 75.26% | n/a | n/a | |