Hillsboro, IL · Cert 16276 · Country Bcorp Inc.
National charter · OCC · 14 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
26
Asset Quality
61
Profitability
67
Liquidity
96
Efficiency
82
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.
Hillsboro, IL · Cert 16276 · Country Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #51 of 111 inst. · $0.4B 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 | 0.51% | 0.54% | 0.92% | 0.98% | 1.03% | 1.07% | 1.21% | 1.13% | +16 bps | |
| Return on Equity | 6.84% | 7.20% | 12.11% | 12.62% | 13.10% | 13.21% | 13.65% | 12.69% | +7 bps | |
| Net Interest Margin | 2.23% | 2.33% | 2.91% | 3.00% | 2.99% | 3.07% | 3.39% | 3.39% | +39 bps | |
| Efficiency Ratio | 72.73% | 70.97% | 57.81% | 55.75% | 55.94% | 57.04% | 53.02% | 53.57% | -218 bps | |
| Non-Interest Burden | 1.52% | 1.55% | 1.53% | 1.51% | 1.51% | 1.60% | 1.65% | 1.66% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.39% | 11.06% | 9.27% | 9.03% | 6.41% | 6.27% | 5.06% | 4.65% | -439 bps | |
| Loan Growth (YoY) | 11.67% | 14.42% | 17.03% | 20.83% | 15.27% | 8.17% | 5.06% | 4.86% | -1,598 bps | |
| Deposit Growth (YoY) | 9.71% | 11.20% | 8.62% | 8.21% | 5.67% | 4.62% | 3.75% | 3.40% | -481 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.22% | 0.22% | 0.20% | 0.21% | 0.18% | 0.50% | 0.62% | +41 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.20% | 1.18% | 1.18% | 1.23% | 1.24% | 1.26% | 1.26% | 1.32% | +8 bps | |
| Allowance Coverage of NPLs | 6.1x | 5.4x | 5.4x | 6.1x | 5.9x | 6.9x | 2.5x | 2.1x | -3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.23% | 9.37% | 9.35% | 9.49% | 9.49% | 9.82% | 10.09% | 10.17% | +68 bps | |
| Total Risk-Based Capital | 9.23% | 9.37% | 9.35% | 9.49% | 9.49% | 9.82% | 10.09% | 10.17% | +68 bps | |
| Equity / Assets | 7.65% | 7.52% | 7.70% | 8.04% | 8.27% | 8.91% | 8.81% | 9.10% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.49% | 76.07% | 76.38% | 78.38% | 75.81% | 78.65% | 77.35% | 79.48% | +110 bps | |
| Liquid Assets / Assets | 4.03% | 1.21% | 1.56% | 1.17% | 3.37% | 1.11% | 3.03% | 1.32% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 487% | 470% | 458% | n/a | n/a | |
Hillsboro, IL · Cert 16276 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Country Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Return on Assets
1.12%
Rank 14 of 40
Net Interest Margin
3.39%
Rank 15 of 40
Efficiency Ratio
53.57%
Rank 8 of 40
Equity / Assets
9.10%
Rank 25 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.64% | 1.04% | 1.26% | Beats 65% | 14 / 40 | ||
| Return on Equity | 12.31% | 6.25% | 9.97% | 13.41% | Beats 73% | 11 / 40 | ||
| Net Interest Margin | 3.39% | 3.09% | 3.22% | 3.62% | Beats 63% | 15 / 40 | ||
| Efficiency Ratio | 53.57% | 57.08% | 64.37% | 75.86% | Beats 82% | 8 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.14% | 0.62% | 1.92% | Beats 50% | 20 / 38 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 71% | 12 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.17% | 10.29% | 12.88% | 15.77% | Beats 23% | 31 / 40 | ||
| Total Risk-Based Capital Ratio | 10.17% | 10.64% | 13.30% | 17.01% | Beats 18% | 33 / 40 | ||
| Equity / Assets | 9.10% | 8.59% | 9.46% | 12.46% | Beats 38% | 25 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.48% | 66.12% | 79.48% | 94.60% | 50th pctl | 20 / 40 | ||
| Loans / Assets | 71.97% | 54.69% | 68.52% | 77.46% | 63rd pctl | 15 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||