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 (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 | 0.76% | 0.61% | 0.73% | 0.89% | 1.10% | 1.33% | 0.92% | 1.25% | +36 bps | |
| Return on Equity | 9.51% | 7.43% | 8.82% | 10.15% | 11.98% | 14.21% | 9.86% | 13.29% | +315 bps | |
| Net Interest Margin | 2.35% | 2.39% | 2.49% | 2.75% | 2.86% | 2.96% | 3.09% | 3.26% | +51 bps | |
| Efficiency Ratio | 61.70% | 68.20% | 63.67% | 56.87% | 54.38% | 39.94% | 57.73% | 48.65% | -822 bps | |
| Non-Interest Burden | 1.38% | 1.57% | 1.52% | 1.46% | 1.45% | 1.04% | 1.72% | 1.44% | -2 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% | 0.01% | 0.00% | 0.29% | 0.12% | 0.05% | -0.07% | 0.09% | -19 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 | |