Princeville, IL · Cert 16900 · 1870 Holdings Inc.
State charter, Fed member · FED · 1 affiliate bank · 2 branches (10 in holding)
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 1.0% share · #15 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 | -0.11% | -0.21% | -1.06% | 0.27%1 | 0.75% | 1.53% | 1.43% | 1.46% | +119 bps | |
| Return on Equity | -1.85% | -3.78% | -11.59% | 2.52% | 6.48% | 12.79% | 10.57% | 10.90% | +838 bps | |
| Net Interest Margin | 2.51% | 2.63% | 4.39% | 4.38% | 4.41% | 4.05% | 4.13% | 4.12% | -26 bps | |
| Efficiency Ratio | 101.30% | 104.81% | 49.64% | 50.15% | 51.17% | 54.63% | 53.74% | 53.42% | +327 bps | |
| Non-Interest Burden | 2.55% | 2.80% | 1.88% | 1.91% | 1.97% | 1.97% | 1.99% | 1.97% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.54% | -9.26% | 3.60% | -4.41% | 1.19% | 10.12% | 7.26% | 15.05% | +1,946 bps | |
| Loan Growth (YoY) | 2.99% | 1.91% | -2.78% | -2.42% | 2.90% | 6.46% | 18.24% | 19.05% | +2,147 bps | |
| Deposit Growth (YoY) | 9.44% | -0.52% | 4.66% | -5.10% | -11.49% | -3.92% | 1.60% | 11.11% | +1,621 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.66% | 0.58% | 3.92% | 3.78% | 3.68% | 3.51% | 6.42% | +250 bps | |
| Net Charge-Offs / Loans | 0.58% | 0.42% | 0.00% | 0.02% | 0.00% | 0.00% | -0.02% | -0.01% | -3 bps | |
| Allowance / Loans | 2.00% | 2.00% | 2.10% | 2.01% | 1.96% | 1.88% | 1.79% | 1.70% | -31 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.0x | 3.6x | 0.5x | 0.5x | 0.5x | 0.5x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 9.18% | 8.56% | 9.06% | 9.28% | 9.05% | 9.28% | 9.23% | +17 bps | |
| Total Risk-Based Capital | 9.06% | 9.18% | 13.53% | 9.06% | 9.28% | 9.05% | 9.28% | 9.23% | +17 bps | |
| Equity / Assets | 6.05% | 5.04% | 13.21% | 13.97% | 13.97% | 13.40% | 13.70% | 13.12% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.13% | 57.75% | 58.49% | 64.00% | 65.25% | 63.98% | 68.07% | 68.58% | +458 bps | |
| Liquid Assets / Assets | 7.93% | 7.29% | 11.87% | 5.75% | 5.47% | 8.52% | 3.93% | 5.75% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 234% | 249% | n/a | n/a | |