Olney, IL · Cert 14662 · Rich Land Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #41 of 55 inst. · $0.1B of $192.0B
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 | 1.20% | 1.06% | 1.47% | 1.38% | 1.41% | 1.26% | 1.46% | 1.53% | +14 bps | |
| Return on Equity | 12.72% | 11.25% | 15.49% | 14.44% | 14.67% | 13.03% | 14.90% | 15.50% | +107 bps | |
| Net Interest Margin | 3.45% | 3.41% | 3.61% | 3.72% | 3.73% | 3.68% | 3.83% | 3.96% | +25 bps | |
| Efficiency Ratio | 66.09% | 66.40% | 63.97% | 63.22% | 63.64% | 66.15% | 64.16% | 61.31% | -191 bps | |
| Non-Interest Burden | 1.81% | 1.80% | 1.80% | 1.85% | 1.86% | 1.96% | 1.90% | 1.82% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.94% | 5.25% | 4.85% | 5.32% | 6.86% | 7.27% | 6.32% | 7.64% | +231 bps | |
| Loan Growth (YoY) | 7.41% | 8.50% | 8.32% | 9.25% | 6.97% | 2.87% | 4.08% | 7.00% | -225 bps | |
| Deposit Growth (YoY) | 9.22% | 5.36% | 4.90% | 4.16% | 7.47% | 7.14% | 7.46% | 9.97% | +581 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.50% | 0.44% | 1.74% | 1.66% | 1.48% | 2.03% | 0.73% | -101 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.29% | 0.00% | 0.00% | 0.00% | 0.03% | 0.01% | 0.26% | +26 bps | |
| Allowance / Loans | 1.25% | 1.18% | 1.16% | 1.18% | 1.20% | 1.23% | 1.23% | 1.14% | -4 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.3x | 2.6x | 0.7x | 0.7x | 0.8x | 0.6x | 1.6x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 9.23% | 9.28% | 9.45% | 9.63% | 9.38% | 9.53% | 9.81% | +36 bps | |
| Total Risk-Based Capital | 9.44% | 9.23% | 9.28% | 9.45% | 9.63% | 9.38% | 9.53% | 9.81% | +36 bps | |
| Equity / Assets | 9.62% | 9.44% | 9.49% | 9.84% | 9.70% | 9.79% | 9.75% | 10.04% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.29% | 98.05% | 95.52% | 100.84% | 94.84% | 94.14% | 92.52% | 98.12% | -272 bps | |
| Liquid Assets / Assets | 5.89% | 2.22% | 4.21% | 1.60% | 7.02% | 6.69% | 7.81% | 1.46% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 302% | 292% | 285% | n/a | n/a | |