Vermont, IL · Cert 16585
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 | 1.86% | 2.54% | 2.82% | 3.63% | 3.94% | 3.91% | 6.86% | 6.34% | +270 bps | |
| Return on Equity | 8.16% | 11.01% | 11.83% | 14.82% | 15.59% | 15.61% | 27.23% | 24.37% | +955 bps | |
| Net Interest Margin | 2.94% | 2.96% | 3.04% | 3.05% | 3.08% | 2.97% | 2.88% | 2.93% | -11 bps | |
| Efficiency Ratio | 92.57% | 89.85% | 87.68% | 85.45% | 85.19% | 85.12% | 73.76% | 76.75% | -869 bps | |
| Non-Interest Burden | 1.12% | 0.26% | -1.15% | -2.11% | -2.52% | -2.57% | -7.10% | -6.05% | -393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.73% | 4.17% | 16.52% | 6.02% | -3.63% | 17.72% | 9.85% | 15.59% | +957 bps | |
| Loan Growth (YoY) | -4.73% | -1.37% | -2.54% | -3.08% | -3.74% | -8.91% | -7.57% | -0.53% | +255 bps | |
| Deposit Growth (YoY) | 13.61% | 7.98% | 16.06% | 2.08% | -7.68% | 15.08% | 3.47% | 9.54% | +746 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 9.59% | 7.39% | 6.17% | 4.91% | 6.30% | 4.88% | 5.15% | 5.08% | +17 bps | |
| Net Charge-Offs / Loans | 0.50% | -0.69% | 0.30% | 0.35% | 0.37% | 0.68% | 0.17% | 0.07% | -28 bps | |
| Allowance / Loans | 3.87% | 4.86% | 4.84% | 4.96% | 4.87% | 4.65% | 4.82% | 4.69% | -28 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.7x | 0.8x | 1.0x | 0.8x | 1.0x | 0.9x | 0.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.78% | 24.19% | 24.56% | 25.42% | 27.06% | 27.51% | 26.47% | 28.17% | +275 bps | |
| Total Risk-Based Capital | 44.76% | 54.21% | 50.13% | 50.46% | 51.78% | 56.05% | 60.34% | 64.61% | +1,416 bps | |
| Equity / Assets | 22.63% | 24.18% | 23.47% | 25.95% | 27.74% | 24.30% | 26.09% | 27.65% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.32% | 77.38% | 70.99% | 74.23% | 75.40% | 61.26% | 63.42% | 67.41% | -683 bps | |
| Liquid Assets / Assets | 32.72% | 31.92% | 36.85% | 30.45% | 22.61% | 28.62% | 22.39% | 19.33% | -1,112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 23.94% | 22.58% | 18.77% | n/a | n/a | |