Bourbonnais, IL · Cert 18566 · Romy Hammes Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Kankakee, IL · 2026 SOD (annual) · 11.6% share · #2 of 13 inst. · $0.3B of $2.8B
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 | -2.50% | -1.40% | 0.51% | 0.72% | 0.76% | +326 bps | |
| Return on Equity | -46.39% | -24.68% | 8.54% | 11.96% | 12.87% | +5,926 bps | |
| Net Interest Margin | 2.29% | 2.46% | 2.64% | 2.56% | 2.86% | +57 bps | |
| Efficiency Ratio | 84.29% | 77.26% | 73.52% | 76.08% | 70.11% | -1,418 bps | |
| Non-Interest Burden | 1.78% | 1.67% | 1.69% | 1.71% | 1.74% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.62% | 5.38% | 7.01% | 6.49% | 7.87% | +125 bps | |
| Loan Growth (YoY) | 6.53% | 5.76% | 1.00% | 3.12% | 4.86% | -167 bps | |
| Deposit Growth (YoY) | 4.47% | 4.28% | 5.26% | 3.86% | 8.43% | +396 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.02% | 0.02% | 0.32% | +19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.29% | 1.32% | 1.30% | 1.33% | +6 bps | |
| Allowance Coverage of NPLs | 10.3x | n/a | 60.5x | 59.3x | 4.2x | -6.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.31% | 7.88% | 7.82% | 7.79% | 7.67% | -64 bps | |
| Total Risk-Based Capital | 15.14% | 14.90% | 15.04% | 14.53% | 12.93% | -221 bps | |
| Equity / Assets | 5.38% | 5.93% | 6.09% | 5.96% | 5.77% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.72% | 54.09% | 52.03% | 50.83% | 51.95% | -177 bps | |
| Liquid Assets / Assets | 7.75% | 9.33% | 5.72% | 6.92% | 2.10% | -565 bps | |
| CRE / Total Capital | n/a | 297% | 289% | 281% | n/a | n/a | |