Trenton, IL · Cert 18889
FDIC · 2 branches
Q2 2025
Market Position · St. Louis, MO-IL · 2025 SOD (annual) · 0.1% share · #74 of 114 inst. · $0.1B of $134.5B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.53% | 0.61% | 0.73% | 0.71% | 0.77% | 0.77% | 1.06% | +32 bps | |
| Return on Equity | 6.57% | 6.22% | 7.18% | 8.68% | 8.22% | 8.96% | 8.72% | 11.71% | +304 bps | |
| Net Interest Margin | 2.74% | 2.75% | 2.86% | 2.84% | 2.87% | 2.84% | 2.95% | 2.98% | +15 bps | |
| Efficiency Ratio | 77.40% | 78.37% | 75.07% | 70.47% | 71.74% | 69.15% | 69.53% | 58.85% | -1,162 bps | |
| Non-Interest Burden | 2.01% | 2.05% | 2.04% | 1.87% | 1.93% | 1.82% | 1.93% | 1.59% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.51% | 13.52% | 5.49% | 3.01% | 2.38% | 4.95% | 1.41% | 0.59% | -242 bps | |
| Loan Growth (YoY) | 25.43% | 15.10% | 12.86% | 5.94% | 4.50% | 1.21% | -1.69% | 1.77% | -417 bps | |
| Deposit Growth (YoY) | 22.32% | 15.27% | 6.39% | 2.55% | 0.21% | 3.69% | 2.09% | 1.52% | -103 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.60% | 1.51% | 1.41% | 1.79% | 2.32% | 2.99% | 3.52% | 3.91% | +212 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | -0.18% | -0.10% | -0.07% | -0.05% | -0.11% | -0.04% | +6 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.24% | 1.29% | 1.29% | 1.31% | 1.36% | 1.36% | +7 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.9x | 0.7x | 0.6x | 0.4x | 0.4x | 0.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.71% | 9.81% | 9.70% | 9.88% | 9.92% | 9.92% | 10.34% | +64 bps | |
| Total Risk-Based Capital | 13.68% | 13.69% | 13.76% | 14.01% | 13.68% | 14.18% | 14.39% | 14.76% | +75 bps | |
| Equity / Assets | 8.03% | 8.48% | 8.37% | 8.53% | 9.00% | 8.61% | 9.00% | 9.45% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.03% | 85.79% | 88.38% | 85.83% | 87.64% | 83.74% | 85.11% | 86.04% | +21 bps | |
| Liquid Assets / Assets | 5.92% | 4.91% | 4.44% | 4.36% | 5.01% | 3.84% | 3.19% | 2.27% | -209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |