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 (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 | 0.13% | 0.12% | 4.58% | 1.28% | 0.48% | 0.49% | 0.72% | 0.74% | -54 bps | |
| Return on Equity | 3.87% | 3.44% | 101.68% | 26.71% | 9.36% | 9.20% | 11.96% | 12.44% | -1,428 bps | |
| Net Interest Margin | 1.86% | 1.84% | 1.89% | 2.09% | 2.22% | 2.28% | 2.56% | 2.67% | +57 bps | |
| Efficiency Ratio | 85.25% | 83.34% | 29.91% | 44.52% | 51.84% | 56.01% | 76.08% | 72.97% | +2,845 bps | |
| Non-Interest Burden | 1.43% | 1.35% | -4.23% | -1.23% | -0.27% | 0.23% | 1.71% | 1.70% | +293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 1.76% | 3.50% | 6.62% | 5.38% | 7.01% | 6.49% | 7.87% | +125 bps | |
| Loan Growth (YoY) | 4.90% | 7.96% | 1.20% | 6.53% | 5.76% | 1.00% | 3.12% | 4.86% | -167 bps | |
| Deposit Growth (YoY) | 4.10% | 1.06% | 2.21% | 4.47% | 4.28% | 5.26% | 3.86% | 8.43% | +396 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.26% | 1.27% | 1.29% | 1.32% | 1.30% | 1.33% | +6 bps | |
| Allowance Coverage of NPLs | 63.6x | 77.8x | 9.7x | 10.3x | n/a | 60.5x | 59.3x | 4.2x | -6.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.02% | 7.83% | 8.97% | 8.31% | 7.88% | 7.82% | 7.79% | 7.67% | -64 bps | |
| Total Risk-Based Capital | 14.36% | 14.31% | 17.06% | 15.14% | 14.90% | 15.04% | 14.53% | 12.93% | -221 bps | |
| Equity / Assets | 4.25% | 3.55% | 5.42% | 5.38% | 5.93% | 6.09% | 5.96% | 5.77% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.34% | 54.23% | 51.19% | 53.72% | 54.09% | 52.03% | 50.83% | 51.95% | -177 bps | |
| Liquid Assets / Assets | 7.08% | 6.45% | 10.31% | 7.75% | 9.33% | 5.72% | 6.92% | 2.10% | -565 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 289% | 281% | n/a | n/a | |