Milan, IL · Cert 18402 · Blackhawk Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 15.2% share · #2 of 29 inst. · $1.6B of $10.5B
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 | 0.63% | 0.67% | 0.83% | 0.91% | 0.98% | 1.06% | 1.33% | 1.55% | +63 bps | |
| Return on Equity | 7.42% | 7.85% | 9.40% | 10.21% | 10.66% | 11.43% | 13.65% | 15.95% | +574 bps | |
| Net Interest Margin | 1.77% | 1.89% | 2.31% | 2.39% | 2.55% | 2.65% | 3.10% | 3.24% | +85 bps | |
| Efficiency Ratio | 69.62% | 67.30% | 60.55% | 58.87% | 57.17% | 55.39% | 49.42% | 45.83% | -1,304 bps | |
| Non-Interest Burden | 1.14% | 1.17% | 1.29% | 1.28% | 1.32% | 1.33% | 1.36% | 1.26% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | -2.15% | 3.93% | 1.69% | 2.54% | 3.40% | 1.96% | 9.13% | +744 bps | |
| Loan Growth (YoY) | 17.37% | 16.43% | 18.37% | 16.41% | 11.50% | 11.10% | 8.04% | 9.59% | -682 bps | |
| Deposit Growth (YoY) | 6.48% | 9.61% | 10.07% | 10.92% | 14.18% | 15.12% | 12.76% | 8.08% | -284 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.28% | 0.35% | 0.36% | 0.44% | 0.33% | 0.10% | 0.09% | -27 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.03% | 0.03% | 0.02% | 0.02% | 0.01% | 0.22% | 0.11% | +8 bps | |
| Allowance / Loans | 0.96% | 0.97% | 0.94% | 0.95% | 0.96% | 0.96% | 0.92% | 1.01% | +6 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.5x | 2.7x | 2.7x | 2.2x | 2.9x | 9.6x | 11.0x | +8.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.24% | 10.09% | 10.00% | 10.48% | 10.46% | 10.78% | 10.54% | +54 bps | |
| Total Risk-Based Capital | 10.10% | 10.24% | 10.09% | 10.00% | 10.48% | 10.46% | 10.78% | 10.54% | +54 bps | |
| Equity / Assets | 9.20% | 8.74% | 8.90% | 9.25% | 9.73% | 9.76% | 9.74% | 9.57% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.21% | 79.02% | 82.00% | 78.03% | 76.37% | 76.26% | 78.56% | 79.12% | +109 bps | |
| Liquid Assets / Assets | 1.36% | 1.58% | 1.61% | 1.83% | 2.58% | 2.15% | 1.61% | 1.57% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 385% | 388% | 377% | n/a | n/a | |