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 (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 | 0.61% | 0.57% | 0.46% | 0.59% | 0.65% | 0.60% | 0.71% | 0.78% | +18 bps | |
| Return on Equity | 9.04% | 8.71% | 7.51% | 8.75% | 8.94% | 7.79% | 9.26% | 10.47% | +172 bps | |
| Net Interest Margin | 1.95% | 2.03% | 2.00% | 2.03% | 2.08% | 2.07% | 2.13% | 2.14% | +11 bps | |
| Efficiency Ratio | 65.38% | 66.24% | 71.15% | 64.99% | 64.45% | 67.65% | 59.28% | 56.14% | -885 bps | |
| Non-Interest Burden | 1.21% | 1.29% | 1.38% | 1.25% | 1.28% | 1.35% | 1.16% | 1.07% | -18 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 | 0.18% | 0.00% | 0.01% | -0.04% | 0.08% | 0.43% | 0.00% | 0.38% | +42 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 | |