Bourbonnais, IL · Cert 21635 · Illinois State Bcorp 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
83
Profitability
30
Liquidity
74
Efficiency
34
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.
Bourbonnais, IL · Cert 21635 · Illinois State Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Market Position · Kankakee, IL · 2026 SOD (annual) · 2.5% share · #11 of 13 inst. · $0.1B of $2.8B
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 | 0.45% | 0.60% | 0.59% | 0.68% | 0.66% | 0.77% | 0.58% | 0.65% | -3 bps | |
| Return on Equity | 4.29% | 5.56% | 5.06% | 5.76% | 5.58% | 6.49% | 4.77% | 5.35% | -40 bps | |
| Net Interest Margin | 2.98% | 3.18% | 3.48% | 3.44% | 3.51% | 3.44% | 3.38% | 3.32% | -12 bps | |
| Efficiency Ratio | 78.41% | 72.70% | 75.15% | 72.66% | 73.40% | 68.92% | 76.30% | 74.17% | +151 bps | |
| Non-Interest Burden | 2.32% | 2.29% | 2.58% | 2.47% | 2.55% | 2.34% | 2.57% | 2.45% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.74% | -9.86% | -17.03% | -0.90% | 4.22% | 5.30% | -2.95% | 3.43% | +433 bps | |
| Loan Growth (YoY) | 14.70% | 15.46% | -3.36% | -6.96% | -6.99% | -9.12% | -10.08% | -2.60% | +436 bps | |
| Deposit Growth (YoY) | -8.15% | -5.13% | 12.90% | 5.84% | 4.23% | 5.09% | -4.06% | 3.21% | -263 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.84% | 1.79% | 1.83% | 1.91% | 1.98% | 1.97% | 1.96% | 1.91% | 0 bps | |
| Allowance Coverage of NPLs | 15.5x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.67% | 12.09% | 12.10% | 11.59% | 11.91% | 11.96% | 12.33% | 11.85% | +26 bps | |
| Total Risk-Based Capital | 18.43% | 18.53% | 18.27% | 18.95% | 19.66% | 20.09% | 20.58% | 20.46% | +151 bps | |
| Equity / Assets | 11.90% | 12.29% | 11.25% | 11.70% | 11.94% | 12.27% | 12.19% | 11.88% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.10% | 87.57% | 77.30% | 76.60% | 75.05% | 75.73% | 72.45% | 72.28% | -432 bps | |
| Liquid Assets / Assets | 7.79% | 14.83% | 13.63% | 20.53% | 21.00% | 21.32% | 33.45% | 33.46% | +1,293 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 437% | 428% | 406% | n/a | n/a | |
Bourbonnais, IL · Cert 21635 · Peer group: banks under $1B in assets (n=581-629) · Illinois State Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Return on Assets
0.63%
Rank 466 of 629
Net Interest Margin
3.32%
Rank 386 of 629
Efficiency Ratio
74.17%
Rank 416 of 629
Equity / Assets
11.88%
Rank 237 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.60% | 1.01% | 1.45% | Beats 26% | 466 / 629 | n/a | |
| Return on Equity | 5.30% | 5.38% | 9.30% | 13.28% | Beats 25% | 474 / 629 | n/a | |
| Net Interest Margin | 3.32% | 3.03% | 3.54% | 4.05% | Beats 39% | 386 / 629 | n/a | |
| Efficiency Ratio | 74.17% | 58.35% | 67.79% | 79.08% | Beats 34% | 416 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 207 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.20% | 11.24% | 13.84% | 18.77% | Beats 76% | 150 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 20.46% | 11.58% | 14.43% | 19.66% | Beats 77% | 144 / 629 | n/a | |
| Equity / Assets | 11.88% | 9.09% | 10.65% | 13.80% | Beats 62% | 237 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.28% | 67.24% | 80.90% | 93.48% | 34th pctl | 393 / 594 | n/a | |
| Loans / Assets | 62.83% | 53.31% | 67.71% | 78.15% | 40th pctl | 375 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||