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 | |