Washington, IL · Cert 16667 · R&B Management Corp.
State charter, non-member · FDIC · 1 branch
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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
20
Profitability
28
Liquidity
0
Efficiency
68
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.
Washington, IL · Cert 16667 · R&B Management Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.7% share · #21 of 35 inst. · $0.1B of $10.0B
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 | 0.46% | 0.49% | 0.46% | 0.53% | 0.57% | 0.58% | 0.71% | 0.75% | +22 bps | |
| Return on Equity | 7.47% | 8.02% | 7.51% | 8.23% | 8.44% | 8.31% | 9.26% | 9.96% | +173 bps | |
| Net Interest Margin | 1.86% | 1.86% | 2.00% | 2.04% | 2.05% | 2.02% | 2.13% | 2.16% | +12 bps | |
| Efficiency Ratio | 70.56% | 69.39% | 71.15% | 68.06% | 66.84% | 67.04% | 59.28% | 57.72% | -1,034 bps | |
| Non-Interest Burden | 1.26% | 1.24% | 1.38% | 1.33% | 1.31% | 1.30% | 1.16% | 1.13% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 2.80% | 3.89% | 5.63% | 0.61% | 1.83% | 2.62% | -1.35% | -698 bps | |
| Loan Growth (YoY) | -6.06% | -4.95% | -2.17% | 0.80% | 1.02% | -0.22% | -0.47% | -0.86% | -165 bps | |
| Deposit Growth (YoY) | 1.75% | 2.91% | 1.79% | 0.13% | -4.05% | -3.03% | -0.33% | 0.66% | +53 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.15% | 1.76% | 1.46% | 0.90% | 1.24% | 1.80% | 0.94% | 1.03% | +13 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.12% | 0.01% | -0.01% | 0.02% | 0.12% | 0.00% | 0.19% | +20 bps | |
| Allowance / Loans | 0.92% | 0.97% | 1.03% | 1.05% | 1.03% | 0.93% | 0.99% | 3.00% | +195 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 0.7x | 1.2x | 0.8x | 0.5x | 1.1x | 2.9x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 8.94% | 9.11% | 9.47% | 9.59% | 9.22% | 9.49% | 9.10% | -37 bps | |
| Total Risk-Based Capital | 9.28% | 8.94% | 9.11% | 9.47% | 9.59% | 9.22% | 9.49% | 9.10% | -37 bps | |
| Equity / Assets | 7.28% | 5.74% | 6.63% | 6.89% | 7.71% | 7.66% | 7.69% | 7.10% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.55% | 40.17% | 40.74% | 44.28% | 43.75% | 41.33% | 40.68% | 43.62% | -67 bps | |
| Liquid Assets / Assets | 5.57% | 4.41% | 4.41% | 4.19% | 4.16% | 2.81% | 6.17% | 2.92% | -126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 51.84% | 50.53% | 52.70% | n/a | n/a | |
Washington, IL · Cert 16667 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · R&B Management Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.77%
Rank 534 of 746
Net Interest Margin
2.16%
Rank 721 of 746
Efficiency Ratio
57.72%
Rank 238 of 746
Equity / Assets
7.10%
Rank 694 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.72% | 1.06% | 1.45% | Beats 28% | 534 / 746 | ||
| Return on Equity | 10.84% | 6.74% | 10.51% | 13.63% | Beats 53% | 348 / 746 | ||
| Net Interest Margin | 2.16% | 3.17% | 3.68% | 4.16% | Beats 3% | 721 / 746 | ||
| Efficiency Ratio | 57.72% | 55.74% | 64.58% | 75.47% | Beats 68% | 238 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.09% | 0.42% | 1.07% | Beats 26% | 553 / 743 | ||
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 14% | 637 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.10% | 11.55% | 13.75% | 17.60% | Beats 1% | 735 / 746 | ||
| Total Risk-Based Capital Ratio | 9.10% | 11.71% | 14.33% | 18.43% | Beats 1% | 735 / 746 | ||
| Equity / Assets | 7.10% | 8.90% | 10.51% | 13.06% | Beats 7% | 694 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.62% | 61.31% | 78.27% | 90.78% | 7th pctl | 693 / 746 | ||
| Loans / Assets | 38.71% | 53.60% | 66.97% | 76.08% | 8th pctl | 689 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||