Nokomis, IL · Cert 15763 · First Nokomis Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
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 | 0.78% | 0.81% | 0.95% | 0.99% | 0.85% | 0.79% | 0.92% | 1.05% | +6 bps | |
| Return on Equity | 8.95% | 9.27% | 10.81% | 10.88% | 8.94% | 8.20% | 9.00% | 10.17% | -71 bps | |
| Net Interest Margin | 3.30% | 3.38% | 3.48% | 3.56% | 3.72% | 3.78% | 3.82% | 3.85% | +29 bps | |
| Efficiency Ratio | 72.35% | 72.37% | 71.07% | 69.82% | 69.24% | 69.29% | 72.11% | 68.55% | -127 bps | |
| Non-Interest Burden | 2.26% | 2.32% | 2.30% | 2.32% | 2.41% | 2.45% | 2.62% | 2.48% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | -0.57% | 5.13% | -0.82% | -3.50% | -0.22% | -0.25% | 2.05% | +287 bps | |
| Loan Growth (YoY) | 11.51% | 4.15% | 1.99% | -1.70% | -3.36% | 3.10% | -0.75% | -2.54% | -84 bps | |
| Deposit Growth (YoY) | -1.68% | -1.30% | 4.20% | -0.89% | -4.88% | -2.64% | -1.70% | 1.01% | +189 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.18% | 0.28% | 0.43% | 0.48% | 1.22% | 1.20% | 0.96% | +53 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.21% | 0.04% | 0.05% | +5 bps | |
| Allowance / Loans | 1.24% | 1.30% | 1.33% | 1.29% | 1.29% | 1.28% | 1.35% | 1.35% | +6 bps | |
| Allowance Coverage of NPLs | 10.5x | 7.2x | 4.8x | 3.0x | 2.7x | 1.0x | 1.1x | 1.4x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.98% | 10.59% | 10.61% | 10.85% | 11.26% | 10.79% | 10.84% | 10.89% | +4 bps | |
| Total Risk-Based Capital | 19.26% | 18.81% | 18.97% | 19.56% | 20.02% | 18.57% | 18.84% | 19.54% | -2 bps | |
| Equity / Assets | 9.60% | 8.55% | 8.93% | 9.77% | 10.59% | 10.50% | 10.03% | 10.48% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.31% | 59.97% | 57.28% | 61.35% | 63.31% | 63.50% | 57.83% | 59.20% | -215 bps | |
| Liquid Assets / Assets | 2.49% | 2.30% | 2.09% | 1.90% | 1.72% | 1.56% | 1.65% | 2.34% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 59.18% | 63.43% | 58.48% | n/a | n/a | |