Edinburg, IL · Cert 20454 · CB Edinburg Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
100
Profitability
40
Liquidity
0
Efficiency
59
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Edinburg, IL · Cert 20454 · CB Edinburg Holdings Inc.
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.88% | 1.07% | 1.11% | 1.15% | 1.08% | 0.96% | 0.95% | -16 bps | |
| Return on Equity | 10.08% | 9.98% | 12.12% | 12.02% | 12.27% | 11.25% | 9.04% | 8.72% | -331 bps | |
| Net Interest Margin | 2.91% | 2.81% | 2.98% | 3.19% | 3.23% | 3.26% | 3.07% | 3.22% | +3 bps | |
| Efficiency Ratio | 62.97% | 63.33% | 55.85% | 55.93% | 55.26% | 57.47% | 61.04% | 62.05% | +612 bps | |
| Non-Interest Burden | 1.73% | 1.68% | 1.57% | 1.68% | 1.67% | 1.77% | 1.80% | 1.92% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.46% | 3.94% | 11.19% | 3.06% | 0.03% | -3.91% | -10.37% | -6.08% | -914 bps | |
| Loan Growth (YoY) | -13.45% | -9.37% | -11.40% | -8.73% | -4.58% | -7.51% | -2.31% | -2.05% | +668 bps | |
| Deposit Growth (YoY) | 2.50% | 3.47% | 11.10% | 2.03% | -1.36% | -5.85% | -12.53% | -7.70% | -974 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 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 | 1.56% | 1.62% | 1.70% | 1.74% | 1.63% | 1.74% | 1.74% | 1.78% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 150.0x | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.02% | 9.50% | 9.59% | 10.34% | 10.64% | 10.70% | 11.15% | 11.93% | +159 bps | |
| Total Risk-Based Capital | 20.25% | 9.50% | 9.59% | 10.34% | 10.64% | 10.70% | 11.15% | 11.93% | +159 bps | |
| Equity / Assets | 8.78% | 8.89% | 8.83% | 9.97% | 9.85% | 10.49% | 10.74% | 11.45% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.94% | 32.26% | 29.02% | 31.37% | 31.86% | 31.69% | 32.41% | 33.29% | +192 bps | |
| Liquid Assets / Assets | 48.85% | 52.65% | 56.30% | 51.31% | 43.85% | 41.01% | 46.98% | 44.10% | -722 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 131.17% | 127.66% | 129.76% | n/a | n/a | |
Edinburg, IL · Cert 20454 · Peer group: banks under $1B in assets in IL (n=149-151) · CB Edinburg Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.98%
Rank 85 of 151
Net Interest Margin
3.22%
Rank 101 of 151
Efficiency Ratio
62.05%
Rank 63 of 151
Equity / Assets
11.45%
Rank 54 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.98% | 0.70% | 1.03% | 1.34% | Beats 44% | 85 / 151 | ||
| Return on Equity | 8.57% | 6.74% | 9.34% | 12.94% | Beats 43% | 86 / 151 | ||
| Net Interest Margin | 3.22% | 3.02% | 3.43% | 3.83% | Beats 33% | 101 / 151 | ||
| Efficiency Ratio | 62.05% | 54.64% | 64.89% | 72.50% | Beats 59% | 63 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.93% | 11.83% | 14.17% | 18.66% | Beats 26% | 111 / 151 | ||
| Total Risk-Based Capital Ratio | 11.93% | 12.22% | 14.54% | 19.92% | Beats 21% | 119 / 151 | ||
| Equity / Assets | 11.45% | 9.10% | 10.65% | 12.40% | Beats 64% | 54 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.29% | 54.39% | 71.02% | 80.75% | 2nd pctl | 146 / 149 | ||
| Loans / Assets | 29.23% | 45.91% | 61.31% | 68.01% | 4th pctl | 145 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||