Easton, IL · Cert 18568 · Uir Acceptance Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.29% | -0.32% | -0.11% | 0.52% | 0.29% | -199 bps | |
| Return on Equity | 8.66% | -1.27% | -0.47% | 2.78% | 1.56% | -711 bps | |
| Net Interest Margin | 4.03% | 0.40% | 1.32% | 4.19% | 4.27% | +24 bps | |
| Efficiency Ratio | 33.09% | 56.78% | 73.68% | 77.51% | 79.22% | +4,613 bps | |
| Non-Interest Burden | 1.28% | 0.23% | 0.98% | 3.29% | 3.43% | +214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.28% | 2.17% | 10.82% | 6.30% | 9.44% | +917 bps | |
| Loan Growth (YoY) | -17.92% | -24.35% | -8.85% | -15.25% | 21.17% | +3,910 bps | |
| Deposit Growth (YoY) | -1.27% | 10.10% | 21.38% | 14.78% | 19.60% | +2,087 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.35% | 0.93% | 0.82% | 0.89% | 0.91% | +56 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 26.32% | 17.69% | 17.09% | 15.67% | 16.32% | -1,000 bps | |
| Total Risk-Based Capital | 26.32% | 17.69% | 17.09% | 15.67% | 16.32% | -1,000 bps | |
| Equity / Assets | 27.24% | 20.68% | 18.60% | 18.69% | 19.49% | -775 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.30% | 44.54% | 44.29% | 41.46% | 55.01% | +72 bps | |
| Liquid Assets / Assets | 57.70% | 57.49% | 57.89% | 60.78% | 50.46% | -725 bps | |
| CRE / Total Capital | n/a | 0.00% | 10.95% | 16.53% | n/a | n/a | |