Rock Falls, IL · Cert 21988 · Community Illinois Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 0.57% | 0.66% | 0.66% | 0.76% | 0.74% | 0.51% | 0.80% | 0.92% | +16 bps | |
| Return on Equity | 6.27% | 7.23% | 7.19% | 7.79% | 7.18% | 4.78% | 7.50% | 8.54% | +75 bps | |
| Net Interest Margin | 2.69% | 2.75% | 2.88% | 3.03% | 3.22% | 3.20% | 3.23% | 3.43% | +40 bps | |
| Efficiency Ratio | 76.81% | 69.48% | 73.80% | 68.60% | 68.99% | 71.24% | 71.57% | 65.63% | -297 bps | |
| Non-Interest Burden | 1.97% | 1.79% | 2.01% | 1.93% | 2.07% | 2.15% | 2.19% | 2.11% | +18 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 | -0.01% | 0.38% | 0.02% | 1.71% | -0.74% | 0.10% | 0.00% | 0.05% | -166 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 | |