Carlyle, IL · Cert 14761 · First Natl Bcorp Carlyle Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
62
Profitability
52
Liquidity
82
Efficiency
80
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Carlyle, IL · Cert 14761 · First Natl Bcorp Carlyle Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #61 of 111 inst. · $0.3B 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 | 0.72% | 0.69% | 0.73% | 0.81% | 0.90% | 1.01% | 0.92% | 1.08% | +28 bps | |
| Return on Equity | 9.35% | 8.92% | 8.82% | 9.49% | 10.35% | 11.42% | 9.86% | 11.56% | +206 bps | |
| Net Interest Margin | 2.19% | 2.21% | 2.49% | 2.65% | 2.67% | 2.71% | 3.09% | 3.16% | +51 bps | |
| Efficiency Ratio | 63.81% | 64.97% | 63.67% | 60.13% | 58.09% | 53.18% | 57.73% | 52.99% | -714 bps | |
| Non-Interest Burden | 1.31% | 1.36% | 1.52% | 1.51% | 1.46% | 1.34% | 1.72% | 1.57% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.46% | 1.73% | 0.30% | 0.34% | 0.82% | 1.89% | 5.17% | 8.84% | +851 bps | |
| Loan Growth (YoY) | 9.64% | 4.55% | 4.45% | 8.44% | 14.86% | 14.13% | 22.51% | 22.62% | +1,417 bps | |
| Deposit Growth (YoY) | 4.25% | 3.83% | 3.77% | -1.67% | 0.14% | 2.30% | 2.58% | 4.78% | +645 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.22% | 0.37% | 0.34% | 0.36% | 0.49% | 0.37% | 0.07% | -27 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.14% | 0.13% | 0.10% | -0.07% | 0.01% | -13 bps | |
| Allowance / Loans | 1.13% | 1.10% | 1.15% | 1.09% | 1.00% | 0.99% | 0.99% | 1.01% | -8 bps | |
| Allowance Coverage of NPLs | 4.8x | 5.1x | 3.1x | 3.2x | 2.7x | 2.0x | 2.7x | 14.9x | +11.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.44% | 9.71% | 10.16% | 10.14% | 10.14% | 10.11% | 10.29% | +14 bps | |
| Total Risk-Based Capital | 9.68% | 9.44% | 9.71% | 10.16% | 10.14% | 10.14% | 10.11% | 10.29% | +14 bps | |
| Equity / Assets | 8.36% | 7.95% | 8.54% | 9.02% | 9.27% | 9.39% | 9.34% | 9.44% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.92% | 68.05% | 65.81% | 70.41% | 72.17% | 75.92% | 78.59% | 82.40% | +1,199 bps | |
| Liquid Assets / Assets | 4.56% | 3.07% | 4.08% | 2.41% | 2.30% | 2.09% | 1.58% | 1.57% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 184.49% | 204% | 237% | n/a | n/a | |
Carlyle, IL · Cert 14761 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · First Natl Bcorp Carlyle Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
1.06%
Rank 18 of 40
Net Interest Margin
3.16%
Rank 25 of 40
Efficiency Ratio
54.20%
Rank 9 of 40
Equity / Assets
9.44%
Rank 21 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.64% | 1.04% | 1.26% | Beats 55% | 18 / 40 | ||
| Return on Equity | 11.22% | 6.25% | 9.97% | 13.41% | Beats 63% | 15 / 40 | ||
| Net Interest Margin | 3.16% | 3.09% | 3.22% | 3.62% | Beats 38% | 25 / 40 | ||
| Efficiency Ratio | 54.20% | 57.08% | 64.37% | 75.86% | Beats 80% | 9 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.14% | 0.62% | 1.92% | Beats 87% | 6 / 38 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.09% | Beats 37% | 25 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.29% | 10.29% | 12.88% | 15.77% | Beats 25% | 30 / 40 | ||
| Total Risk-Based Capital Ratio | 10.29% | 10.64% | 13.30% | 17.01% | Beats 20% | 32 / 40 | ||
| Equity / Assets | 9.44% | 8.59% | 9.46% | 12.46% | Beats 48% | 21 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.40% | 66.12% | 79.48% | 94.60% | 57th pctl | 17 / 40 | ||
| Loans / Assets | 67.18% | 54.69% | 68.52% | 77.46% | 40th pctl | 24 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||