Benton, IL · Cert 19689 · Whittington Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.97% | 0.89% | 0.91% | 0.11% | 1.70% | 0.94% | 0.98% | +7 bps | |
| Return on Equity | 10.71% | 11.04% | 10.04% | 9.62% | 1.09% | 16.87% | 9.14% | 9.39% | -23 bps | |
| Net Interest Margin | 4.05% | 4.44% | 3.76% | 3.85% | 4.05% | 4.23% | 4.11% | 4.25% | +40 bps | |
| Efficiency Ratio | 71.63% | 73.38% | 69.69% | 69.11% | 64.90% | 66.86% | 65.97% | 64.83% | -428 bps | |
| Non-Interest Burden | 2.67% | 3.05% | 2.42% | 2.44% | 2.37% | 2.60% | 2.47% | 2.50% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | 0.75% | -0.58% | -0.86% | 0.02% | 0.82% | 2.15% | 3.59% | +445 bps | |
| Loan Growth (YoY) | 9.64% | 9.78% | 10.13% | 3.67% | 3.55% | 6.51% | 4.73% | 8.28% | +461 bps | |
| Deposit Growth (YoY) | -2.96% | -2.53% | -3.06% | -0.43% | 2.50% | 1.49% | 3.49% | 2.60% | +303 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.26% | 1.26% | 2.37% | 2.47% | 1.95% | 3.01% | 4.43% | +206 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.16% | 0.35% | 0.41% | 0.68% | 1.12% | 0.34% | 0.31% | -10 bps | |
| Allowance / Loans | 1.10% | 1.12% | 1.10% | 1.13% | 1.54% | 1.02% | 1.09% | 1.19% | +6 bps | |
| Allowance Coverage of NPLs | 5.2x | 4.3x | 0.9x | 0.5x | 0.6x | 0.5x | 0.4x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.39% | 10.63% | 10.75% | 11.06% | 10.87% | 11.35% | 11.45% | 11.55% | +49 bps | |
| Total Risk-Based Capital | 17.10% | 10.63% | 16.16% | 16.70% | 16.46% | 16.30% | 16.15% | 17.08% | +37 bps | |
| Equity / Assets | 8.81% | 8.68% | 9.11% | 9.75% | 9.73% | 10.37% | 10.25% | 10.61% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.75% | 72.11% | 74.26% | 72.25% | 72.49% | 75.68% | 75.15% | 76.24% | +400 bps | |
| Liquid Assets / Assets | 2.68% | 2.54% | 2.41% | 2.00% | 1.98% | 2.53% | 2.09% | 1.52% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 102.13% | 109.08% | 110.76% | n/a | n/a | |