Monticello, IL · Cert 16332 · First St Bcorp Monticello Employee STK Ownership Plan
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 3.4% share · #6 of 33 inst. · $0.3B of $8.7B
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 | 1.51% | 1.52% | 1.39% | 1.44% | 1.44% | 1.41% | 1.29% | 1.29% | -14 bps | |
| Return on Equity | 21.41% | 21.12% | 18.18% | 18.68% | 18.27% | 17.58% | 14.99% | 15.08% | -360 bps | |
| Net Interest Margin | 3.80% | 3.78% | 3.64% | 3.60% | 3.63% | 3.69% | 3.62% | 3.68% | +8 bps | |
| Efficiency Ratio | 58.03% | 58.13% | 60.03% | 59.44% | 59.90% | 60.33% | 63.50% | 64.08% | +464 bps | |
| Non-Interest Burden | 1.85% | 1.84% | 1.86% | 1.81% | 1.84% | 1.89% | 1.98% | 2.03% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | -1.01% | 4.73% | 6.33% | 6.23% | 5.27% | -0.24% | -0.84% | -718 bps | |
| Loan Growth (YoY) | 8.12% | 7.07% | 0.49% | -1.59% | -1.28% | 4.20% | 8.23% | 7.94% | +953 bps | |
| Deposit Growth (YoY) | -3.78% | -1.98% | 4.02% | 5.59% | 5.67% | 4.18% | -1.32% | -1.39% | -698 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.58% | 0.53% | 0.44% | 0.40% | 0.50% | 0.39% | 0.44% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.06% | 0.12% | 0.09% | 0.05% | 0.02% | 0.00% | 0.01% | -9 bps | |
| Allowance / Loans | 1.16% | 1.11% | 1.15% | 1.16% | 1.16% | 1.16% | 1.18% | 1.17% | +2 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.9x | 2.2x | 2.6x | 2.9x | 2.3x | 3.0x | 2.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.80% | 8.91% | 8.94% | 8.70% | 8.78% | 8.94% | 9.11% | 9.25% | +55 bps | |
| Total Risk-Based Capital | 21.96% | 21.71% | 23.14% | 23.64% | 23.99% | 22.92% | 22.98% | 23.51% | -14 bps | |
| Equity / Assets | 7.98% | 7.67% | 7.59% | 7.78% | 8.38% | 8.68% | 8.56% | 8.46% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.08% | 44.64% | 39.63% | 39.49% | 40.25% | 44.64% | 43.47% | 43.22% | +374 bps | |
| Liquid Assets / Assets | 18.57% | 16.04% | 26.99% | 26.22% | 23.20% | 18.48% | 20.10% | 20.18% | -604 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 131.10% | 143.44% | 151.82% | n/a | n/a | |