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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.12% | 0.59% | 0.74% | 0.62% | 1.11% | 0.58% | 0.71% | -3 bps | |
| Return on Equity | 7.10% | 9.26% | 5.06% | 6.45% | 5.22% | 9.18% | 4.77% | 5.93% | -52 bps | |
| Net Interest Margin | 3.66% | 3.61% | 3.48% | 3.59% | 3.53% | 3.39% | 3.38% | 3.43% | -17 bps | |
| Efficiency Ratio | 69.54% | 58.15% | 75.15% | 70.34% | 74.89% | 55.14% | 76.30% | 72.17% | +183 bps | |
| Non-Interest Burden | 2.51% | 2.07% | 2.58% | 2.50% | 2.62% | 1.83% | 2.57% | 2.45% | -4 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 | 0.01% | 0.01% | 0.03% | 0.00% | -0.01% | 0.01% | 0.01% | 0.00% | 0 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 | |