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 (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 | 0.54% | 0.61% | 0.92% | 1.03% | 1.14% | 1.16% | 1.21% | 1.06% | +3 bps | |
| Return on Equity | 7.24% | 7.99% | 12.11% | 13.09% | 14.02% | 13.50% | 13.65% | 11.79% | -130 bps | |
| Net Interest Margin | 2.35% | 2.67% | 2.91% | 3.12% | 3.16% | 3.27% | 3.39% | 3.45% | +33 bps | |
| Efficiency Ratio | 70.88% | 66.34% | 57.81% | 53.82% | 56.29% | 60.14% | 53.02% | 54.09% | +27 bps | |
| Non-Interest Burden | 1.55% | 1.67% | 1.53% | 1.52% | 1.61% | 1.83% | 1.65% | 1.70% | +19 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% | 0.00% | -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 | |