Peoria, IL · Cert 1808 · Backlund Inv Employee STK Ownership Plan
State charter, non-member · FDIC · 9 branches
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
36
Asset Quality
17
Profitability
51
Liquidity
86
Efficiency
32
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.
Peoria, IL · Cert 1808 · Backlund Inv Employee STK Ownership Plan
State charter, non-member · FDIC · 1 affiliate bank · 9 branches (12 in holding)
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 3.9% share · #7 of 35 inst. · $0.4B 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 | 0.58% | 0.68% | 0.72% | 0.74% | 0.75% | 0.78% | 1.00% | 0.94% | +20 bps | |
| Return on Equity | 9.77% | 11.00% | 10.30% | 10.43% | 10.37% | 10.50% | 12.43% | 11.74% | +131 bps | |
| Net Interest Margin | 2.91% | 2.97% | 3.06% | 3.18% | 3.25% | 3.35% | 3.69% | 3.71% | +52 bps | |
| Efficiency Ratio | 76.46% | 74.57% | 74.46% | 73.00% | 72.23% | 71.25% | 69.27% | 71.81% | -120 bps | |
| Non-Interest Burden | 2.01% | 1.95% | 1.96% | 1.97% | 1.99% | 2.01% | 2.17% | 2.28% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.54% | -4.75% | -5.99% | -7.36% | -1.65% | -2.28% | -1.28% | 4.29% | +1,165 bps | |
| Loan Growth (YoY) | 2.73% | 0.67% | -0.27% | 0.18% | 1.18% | 0.29% | 1.89% | 3.46% | +329 bps | |
| Deposit Growth (YoY) | -4.91% | -6.11% | -7.62% | -8.93% | -2.40% | -3.68% | -2.30% | 3.62% | +1,255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.50% | 1.48% | 1.49% | 1.54% | 1.33% | 1.19% | 1.40% | 1.55% | +1 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.23% | 0.24% | 0.18% | 0.18% | 0.20% | 0.10% | 0.13% | -5 bps | |
| Allowance / Loans | 1.30% | 1.25% | 1.25% | 1.27% | 1.27% | 1.28% | 1.33% | 1.32% | +6 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 0.8x | 0.8x | 1.0x | 1.1x | 1.0x | 0.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.60% | 9.01% | 8.98% | 9.13% | 9.15% | 9.35% | 9.40% | 9.43% | +31 bps | |
| Total Risk-Based Capital | 14.18% | 14.59% | 14.60% | 14.38% | 14.41% | 14.60% | 14.62% | 14.61% | +23 bps | |
| Equity / Assets | 6.91% | 6.81% | 7.10% | 7.37% | 7.60% | 8.09% | 8.07% | 7.96% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.17% | 70.90% | 72.12% | 73.95% | 72.74% | 73.83% | 75.21% | 73.84% | -11 bps | |
| Liquid Assets / Assets | 15.37% | 15.69% | 16.43% | 15.03% | 16.31% | 15.46% | 14.74% | 16.75% | +172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.62% | 84.63% | 89.24% | n/a | n/a | |
Peoria, IL · Cert 1808 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Backlund Inv Employee STK Ownership Plan
State charter, non-member · FDIC · 1 affiliate bank · 9 branches (12 in holding)
Q2 2026
Return on Assets
0.92%
Rank 448 of 746
Net Interest Margin
3.71%
Rank 359 of 746
Efficiency Ratio
71.97%
Rank 508 of 746
Equity / Assets
7.96%
Rank 650 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.72% | 1.06% | 1.45% | Beats 40% | 448 / 746 | ||
| Return on Equity | 11.56% | 6.74% | 10.51% | 13.63% | Beats 60% | 298 / 746 | ||
| Net Interest Margin | 3.71% | 3.17% | 3.68% | 4.16% | Beats 52% | 359 / 746 | ||
| Efficiency Ratio | 71.97% | 55.74% | 64.58% | 75.47% | Beats 32% | 508 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.09% | 0.42% | 1.07% | Beats 16% | 624 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 17% | 617 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.36% | 11.55% | 13.75% | 17.60% | Beats 45% | 408 / 746 | ||
| Total Risk-Based Capital Ratio | 14.61% | 11.71% | 14.33% | 18.43% | Beats 51% | 362 / 746 | ||
| Equity / Assets | 7.96% | 8.90% | 10.51% | 13.06% | Beats 13% | 650 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.84% | 61.31% | 78.27% | 90.78% | 42nd pctl | 434 / 746 | ||
| Loans / Assets | 67.41% | 53.60% | 66.97% | 76.08% | 51st pctl | 364 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||