Rock Falls, IL · Cert 21988 · Community Illinois Corp.
State charter, non-member · FDIC · 5 branches
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 in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
27
Profitability
37
Liquidity
65
Efficiency
36
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.
Rock Falls, IL · Cert 21988 · Community Illinois Corp.
State charter, non-member · FDIC · 5 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.63% | 0.66% | 0.71% | 0.72% | 0.67% | 0.80% | 0.86% | +15 bps | |
| Return on Equity | 7.15% | 7.23% | 7.19% | 7.52% | 7.39% | 6.71% | 7.50% | 8.01% | +48 bps | |
| Net Interest Margin | 2.69% | 2.72% | 2.88% | 2.96% | 3.08% | 3.12% | 3.23% | 3.30% | +34 bps | |
| Efficiency Ratio | 74.34% | 73.13% | 73.80% | 71.14% | 70.39% | 70.60% | 71.57% | 68.51% | -263 bps | |
| Non-Interest Burden | 1.89% | 1.88% | 2.01% | 1.98% | 2.03% | 2.07% | 2.19% | 2.13% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.70% | 1.60% | -1.84% | -2.62% | -1.99% | -3.01% | -1.59% | 0.60% | +322 bps | |
| Loan Growth (YoY) | 3.44% | 1.43% | 1.85% | 0.95% | 0.99% | 1.26% | 1.07% | 4.41% | +346 bps | |
| Deposit Growth (YoY) | 1.61% | 1.49% | -3.19% | -4.29% | -3.51% | -5.44% | -2.63% | -0.11% | +418 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.18% | 3.17% | 2.97% | 4.04% | 3.68% | 2.47% | 2.61% | 4.67% | +63 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.08% | 0.02% | 0.86% | 0.32% | 0.27% | 0.00% | 0.03% | -84 bps | |
| Allowance / Loans | 2.33% | 2.29% | 2.29% | 1.91% | 2.14% | 2.24% | 2.25% | 2.19% | +28 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.5x | 0.6x | 0.9x | 0.9x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.84% | 10.96% | 11.29% | 11.57% | 11.85% | 11.99% | 12.07% | 12.00% | +43 bps | |
| Total Risk-Based Capital | 19.09% | 19.38% | 19.78% | 20.10% | 19.84% | 20.25% | 20.59% | 19.93% | -17 bps | |
| Equity / Assets | 9.47% | 8.81% | 9.51% | 9.96% | 10.63% | 10.81% | 10.64% | 10.81% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.74% | 71.36% | 72.03% | 74.14% | 76.13% | 76.42% | 74.77% | 77.50% | +336 bps | |
| Liquid Assets / Assets | 1.29% | 4.37% | 4.10% | 2.15% | 1.25% | 2.57% | 5.74% | 2.28% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.76% | 43.03% | 41.91% | n/a | n/a | |
Rock Falls, IL · Cert 21988 · Peer group: banks under $1B in assets in IL (n=149-151) · Community Illinois Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.86%
Rank 96 of 151
Net Interest Margin
3.30%
Rank 92 of 151
Efficiency Ratio
68.51%
Rank 97 of 151
Equity / Assets
10.81%
Rank 68 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.70% | 1.03% | 1.34% | Beats 36% | 96 / 151 | ||
| Return on Equity | 7.93% | 6.74% | 9.34% | 12.94% | Beats 37% | 95 / 151 | ||
| Net Interest Margin | 3.30% | 3.02% | 3.43% | 3.83% | Beats 39% | 92 / 151 | ||
| Efficiency Ratio | 68.51% | 54.64% | 64.89% | 72.50% | Beats 36% | 97 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.67% | 0.20% | 0.66% | 1.77% | Beats 5% | 143 / 149 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 49% | 77 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.66% | 11.83% | 14.17% | 18.66% | Beats 75% | 38 / 151 | ||
| Total Risk-Based Capital Ratio | 19.93% | 12.22% | 14.54% | 19.92% | Beats 75% | 37 / 151 | ||
| Equity / Assets | 10.81% | 9.10% | 10.65% | 12.40% | Beats 55% | 68 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.50% | 54.39% | 71.02% | 80.75% | 66th pctl | 50 / 149 | ||
| Loans / Assets | 68.31% | 45.91% | 61.31% | 68.01% | 75th pctl | 37 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||