Marion, IL · Cert 17514 · Banterra Corp.
State charter, non-member · FDIC · 40 branches
Q2 2026
Market Position · Paducah, KY-IL · 2026 SOD (annual) · 10.3% share · #3 of 15 inst. · $0.3B of $3.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 0.73% | 0.77% | 0.84% | 0.99% | -26 bps | |
| Return on Equity | 20.84% | 11.83% | 12.00% | 12.79% | 14.94% | -590 bps | |
| Net Interest Margin | 3.03% | 2.97% | 3.10% | 3.09% | 3.20% | +17 bps | |
| Efficiency Ratio | 51.97% | 71.09% | 69.98% | 67.31% | 63.41% | +1,144 bps | |
| Non-Interest Burden | 1.34% | 2.00% | 2.05% | 1.96% | 1.89% | +55 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.96% | 4.97% | 5.54% | 2.80% | 4.63% | -133 bps | |
| Loan Growth (YoY) | 6.60% | 5.34% | 6.18% | 3.53% | 6.40% | -21 bps | |
| Deposit Growth (YoY) | 8.70% | 5.02% | 5.01% | 3.92% | 3.00% | -570 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.36% | 0.35% | 0.35% | 0.37% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.10% | 0.13% | 0.11% | 0.09% | -5 bps | |
| Allowance / Loans | 0.94% | 0.95% | 0.93% | 0.97% | 0.95% | +1 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.6x | 2.7x | 2.8x | 2.6x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.26% | 9.22% | 9.18% | 9.21% | 9.41% | +15 bps | |
| Total Risk-Based Capital | 11.09% | 11.02% | 10.97% | 11.20% | 10.73% | -36 bps | |
| Equity / Assets | 6.04% | 6.31% | 6.59% | 6.56% | 6.73% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.40% | 85.38% | 86.19% | 84.81% | 88.22% | +282 bps | |
| Liquid Assets / Assets | 8.15% | 8.19% | 7.60% | 7.74% | 7.23% | -92 bps | |
| CRE / Total Capital | n/a | 266% | 273% | 280% | n/a | n/a | |