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 | |