Effingham, IL · Cert 21486 · Omni Bcorp Inc.
State charter, non-member · FDIC · 2 branches
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.05% | 1.11% | 1.48% | 1.39% | +35 bps | |
| Return on Equity | 7.89% | 7.86% | 8.29% | 11.08% | 10.23% | +234 bps | |
| Net Interest Margin | 2.77% | 2.78% | 2.70% | 2.94% | 3.02% | +25 bps | |
| Efficiency Ratio | 51.47% | 51.27% | 49.99% | 49.35% | 46.97% | -450 bps | |
| Non-Interest Burden | 1.24% | 1.25% | 1.18% | 1.30% | 1.26% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.16% | 1.80% | 8.37% | 9.85% | 6.61% | +677 bps | |
| Loan Growth (YoY) | 3.26% | 11.82% | 8.43% | 2.26% | -3.57% | -683 bps | |
| Deposit Growth (YoY) | -1.89% | 0.50% | 5.79% | 7.82% | 5.73% | +762 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.02% | 1.00% | 1.04% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 23.7x | 16.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.54% | 16.39% | 15.63% | 15.75% | 15.97% | -57 bps | |
| Total Risk-Based Capital | 16.54% | 16.39% | 15.63% | 15.75% | 15.97% | -57 bps | |
| Equity / Assets | 13.32% | 13.76% | 13.40% | 13.32% | 14.08% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.61% | 82.87% | 76.18% | 69.80% | 72.61% | -701 bps | |
| Liquid Assets / Assets | 3.24% | 1.88% | 8.70% | 13.85% | 11.20% | +796 bps | |
| CRE / Total Capital | n/a | 268% | 263% | 243% | n/a | n/a | |