Rockford, IL · Cert 20666
FDIC · 4 branches
Q1 2025
Market Position · Rockford, IL · 2024 SOD (annual) · 4.5% share · #8 of 22 inst. · $0.4B of $8.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.42% | 1.45% | 1.20% | 1.15% | 1.41% | 0.68% | 0.96% | -25 bps | |
| Return on Equity | 15.44% | 18.41% | 18.91% | 15.66% | 14.73% | 17.09% | 8.28% | 12.28% | -338 bps | |
| Net Interest Margin | 3.64% | 3.60% | 3.50% | 3.53% | 3.36% | 3.43% | 3.22% | 3.07% | -46 bps | |
| Efficiency Ratio | 62.17% | 58.74% | 53.47% | 62.07% | 62.34% | 57.94% | 62.21% | 60.76% | -131 bps | |
| Non-Interest Burden | 2.02% | 1.70% | 1.41% | 1.94% | 1.84% | 1.57% | 1.73% | 1.57% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.80% | 6.96% | 17.25% | 12.03% | 12.65% | 13.08% | 9.82% | 12.50% | +47 bps | |
| Loan Growth (YoY) | 23.04% | 17.24% | 20.03% | 15.10% | 17.39% | 17.06% | 13.23% | 9.12% | -598 bps | |
| Deposit Growth (YoY) | 5.11% | 3.19% | 10.15% | 7.49% | 11.83% | 12.40% | 13.57% | 14.77% | +728 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 0.57% | 2.06% | 1.57% | 3.62% | 3.49% | 3.38% | 4.13% | +256 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.62% | 0.05% | 0.04% | 0.07% | 0.23% | 0.06% | +1 bps | |
| Allowance / Loans | 1.46% | 1.40% | 1.53% | 1.50% | 1.39% | 1.39% | 1.51% | 1.58% | +7 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.4x | 0.7x | 1.0x | 0.4x | 0.4x | 0.4x | 0.4x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.57% | 9.73% | 9.22% | 9.41% | 9.39% | 9.66% | 9.44% | 8.95% | -46 bps | |
| Total Risk-Based Capital | 9.57% | 9.73% | 9.22% | 9.41% | 9.39% | 9.66% | 9.44% | 8.95% | -46 bps | |
| Equity / Assets | 7.87% | 7.58% | 7.73% | 7.66% | 7.99% | 8.45% | 7.99% | 7.61% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.36% | 85.57% | 86.43% | 86.65% | 89.60% | 89.12% | 86.17% | 82.38% | -426 bps | |
| Liquid Assets / Assets | 2.62% | 2.89% | 4.50% | 4.03% | 1.12% | 2.62% | 3.79% | 4.55% | +51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |