Macon, IL · Cert 19105
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Decatur, IL · 2026 SOD (annual) · 0.8% share · #12 of 13 inst. · $0.0B of $2.3B
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 | 0.83% | 0.83% | 0.65% | 0.54% | 0.57% | 0.55% | 0.32% | 0.30% | -25 bps | |
| Return on Equity | 7.25% | 7.12% | 5.11% | 4.24% | 4.45% | 4.29% | 2.49% | 2.29% | -195 bps | |
| Net Interest Margin | 2.71% | 2.78% | 2.77% | 2.88% | 2.77% | 2.86% | 2.79% | 2.86% | -1 bps | |
| Efficiency Ratio | 64.56% | 64.76% | 74.29% | 78.03% | 77.63% | 78.31% | 86.47% | 87.80% | +976 bps | |
| Non-Interest Burden | 1.72% | 1.77% | 2.02% | 2.22% | 2.14% | 2.22% | 2.40% | 2.50% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | -10.24% | -7.57% | -9.10% | -10.93% | -1.14% | -0.80% | -3.30% | +581 bps | |
| Loan Growth (YoY) | 4.36% | -11.72% | -9.49% | 7.00% | -0.09% | 4.26% | -2.55% | -2.05% | -905 bps | |
| Deposit Growth (YoY) | 2.34% | -12.37% | -7.10% | -8.82% | -10.75% | 0.98% | 0.19% | -2.73% | +609 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | 0.00% | 0 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 | 1.14% | 1.29% | 1.23% | 1.15% | 1.19% | 1.24% | 1.26% | 1.18% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 8.4x | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.57% | 11.24% | 12.73% | 13.33% | 12.40% | 12.37% | 13.11% | 13.57% | +23 bps | |
| Total Risk-Based Capital | 11.57% | 11.24% | 12.73% | 13.33% | 12.40% | 12.37% | 13.11% | 13.57% | +23 bps | |
| Equity / Assets | 11.30% | 12.35% | 12.93% | 13.20% | 12.67% | 12.54% | 13.00% | 13.57% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.83% | 28.58% | 30.24% | 32.88% | 30.04% | 29.51% | 29.42% | 33.11% | +23 bps | |
| Liquid Assets / Assets | 73.42% | 72.92% | 71.19% | 67.35% | 70.99% | 70.35% | 70.78% | 67.42% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 4.94% | 4.96% | 4.80% | n/a | n/a | |