Champaign, IL · Cert 22434 · Market Place Bancshares Inc.
National charter · OCC · 2 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
100
Profitability
82
Liquidity
0
Efficiency
65
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.
Champaign, IL · Cert 22434 · Market Place Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 2.2% share · #10 of 33 inst. · $0.2B of $8.7B
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 | 2.04% | 1.89% | 1.22% | 1.29% | 1.37% | 1.47% | 1.52% | 1.68% | +39 bps | |
| Return on Equity | 16.97% | 15.75% | 10.39% | 11.04% | 11.75% | 12.67% | 13.14% | 14.39% | +335 bps | |
| Net Interest Margin | 3.70% | 3.77% | 4.05% | 4.16% | 4.08% | 4.09% | 4.24% | 4.28% | +12 bps | |
| Efficiency Ratio | 55.63% | 56.61% | 67.51% | 65.27% | 64.17% | 62.65% | 61.71% | 58.94% | -633 bps | |
| Non-Interest Burden | 1.14% | 1.33% | 2.41% | 2.36% | 2.27% | 2.18% | 2.23% | 2.10% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.77% | 13.86% | 8.53% | 6.45% | 5.82% | 2.74% | 7.12% | 3.81% | -264 bps | |
| Loan Growth (YoY) | 11.50% | 9.02% | 12.04% | 14.05% | 12.72% | 9.56% | 1.47% | -3.51% | -1,756 bps | |
| Deposit Growth (YoY) | 14.76% | 15.71% | 9.53% | 6.91% | 8.68% | 5.24% | 9.83% | 5.74% | -117 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.72% | 1.64% | 1.66% | 1.66% | 1.65% | 1.59% | 1.70% | 1.77% | +11 bps | |
| Allowance Coverage of NPLs | 59.8x | 111.2x | 150.8x | 242.0x | 429.6x | 859.5x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.96% | 13.46% | 12.29% | 12.08% | 11.80% | 12.09% | 12.07% | 11.84% | -24 bps | |
| Total Risk-Based Capital | 16.57% | 16.08% | 14.87% | 15.03% | 14.67% | 15.14% | 15.90% | 15.89% | +85 bps | |
| Equity / Assets | 12.27% | 11.78% | 11.65% | 11.66% | 11.45% | 11.63% | 11.52% | 11.96% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.99% | 102.39% | 105.76% | 111.79% | 105.78% | 106.60% | 97.71% | 102.02% | -977 bps | |
| Liquid Assets / Assets | 6.21% | 9.48% | 4.92% | 2.73% | 3.41% | 3.44% | 11.56% | 8.07% | +535 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 449% | 425% | 404% | n/a | n/a | |
Champaign, IL · Cert 22434 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Market Place Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets
1.74%
Rank 101 of 746
Net Interest Margin
4.28%
Rank 153 of 746
Efficiency Ratio
58.94%
Rank 263 of 746
Equity / Assets
11.96%
Rank 244 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.74% | 0.72% | 1.06% | 1.45% | Beats 86% | 101 / 746 | ||
| Return on Equity | 14.51% | 6.74% | 10.51% | 13.63% | Beats 80% | 146 / 746 | ||
| Net Interest Margin | 4.28% | 3.17% | 3.68% | 4.16% | Beats 79% | 153 / 746 | ||
| Efficiency Ratio | 58.94% | 55.74% | 64.58% | 75.47% | Beats 65% | 263 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.63% | 11.55% | 13.75% | 17.60% | Beats 58% | 317 / 746 | ||
| Total Risk-Based Capital Ratio | 15.89% | 11.71% | 14.33% | 18.43% | Beats 62% | 283 / 746 | ||
| Equity / Assets | 11.96% | 8.90% | 10.51% | 13.06% | Beats 67% | 244 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.02% | 61.31% | 78.27% | 90.78% | 92nd pctl | 59 / 746 | ||
| Loans / Assets | 81.19% | 53.60% | 66.97% | 76.08% | 88th pctl | 91 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||