Milledgeville, IL · Cert 15873 · Milledgeville Bcorp Inc.
State charter, non-member · FDIC · 1 branch
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 | 0.89% | 0.71% | 0.74% | 0.84% | 0.85% | 0.85% | 0.78% | 0.64% | -20 bps | |
| Return on Equity | 9.17% | 7.37% | 7.95% | 8.99% | 9.00% | 8.97% | 8.22% | 6.73% | -226 bps | |
| Net Interest Margin | 2.43% | 2.36% | 2.37% | 2.44% | 2.47% | 2.45% | 2.79% | 2.86% | +42 bps | |
| Efficiency Ratio | 56.09% | 57.92% | 62.86% | 56.62% | 55.60% | 54.75% | 56.57% | 51.64% | -499 bps | |
| Non-Interest Burden | 1.28% | 1.29% | 1.42% | 1.31% | 1.30% | 1.26% | 1.52% | 1.40% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.63% | 7.06% | 4.77% | 7.50% | 10.44% | 10.43% | 13.60% | 11.01% | +351 bps | |
| Loan Growth (YoY) | 0.51% | 4.29% | 3.07% | 9.48% | 15.64% | 16.06% | 22.44% | 16.06% | +658 bps | |
| Deposit Growth (YoY) | 7.99% | 12.43% | 10.42% | 13.07% | 12.56% | 9.14% | 14.00% | 10.61% | -246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.73% | 1.52% | 1.57% | 0.80% | 0.30% | 0.28% | 0.00% | 0.28% | -52 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.46% | 0.00% | 0.00% | 0.38% | 0.27% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.30% | 0.96% | 0.99% | 0.98% | 0.72% | 0.81% | 0.90% | 1.28% | +30 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.6x | 0.6x | 1.2x | 2.4x | 2.9x | n/a | 4.6x | +3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.74% | 11.55% | 11.30% | 11.40% | 11.15% | 10.87% | 10.55% | 10.48% | -92 bps | |
| Total Risk-Based Capital | 16.25% | 16.34% | 16.20% | 15.87% | 15.08% | 14.93% | 14.75% | 14.86% | -100 bps | |
| Equity / Assets | 10.26% | 9.19% | 9.49% | 9.32% | 9.67% | 9.71% | 9.33% | 9.40% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.89% | 78.12% | 76.33% | 78.20% | 80.03% | 83.07% | 81.99% | 82.06% | +386 bps | |
| Liquid Assets / Assets | 7.40% | 6.52% | 7.18% | 5.45% | 5.01% | 4.22% | 4.14% | 4.43% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 64.09% | 69.60% | 67.26% | n/a | n/a | |