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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.66% | 0.77% | 0.58% | 0.65% | -3 bps | |
| Return on Equity | 5.76% | 5.58% | 6.49% | 4.77% | 5.35% | -40 bps | |
| Net Interest Margin | 3.44% | 3.51% | 3.44% | 3.38% | 3.32% | -12 bps | |
| Efficiency Ratio | 72.66% | 73.40% | 68.92% | 76.30% | 74.17% | +151 bps | |
| Non-Interest Burden | 2.47% | 2.55% | 2.34% | 2.57% | 2.45% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.90% | 4.22% | 5.30% | -2.95% | 3.43% | +433 bps | |
| Loan Growth (YoY) | -6.96% | -6.99% | -9.12% | -10.08% | -2.60% | +436 bps | |
| Deposit Growth (YoY) | 5.84% | 4.23% | 5.09% | -4.06% | 3.21% | -263 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.91% | 1.98% | 1.97% | 1.96% | 1.91% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.59% | 11.91% | 11.96% | 12.33% | 11.85% | +26 bps | |
| Total Risk-Based Capital | 18.95% | 19.66% | 20.09% | 20.58% | 20.46% | +151 bps | |
| Equity / Assets | 11.70% | 11.94% | 12.27% | 12.19% | 11.88% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.60% | 75.05% | 75.73% | 72.45% | 72.28% | -432 bps | |
| Liquid Assets / Assets | 20.53% | 21.00% | 21.32% | 33.45% | 33.46% | +1,293 bps | |
| CRE / Total Capital | n/a | 437% | 428% | 406% | n/a | n/a | |