Bourbonnais, IL · Cert 23546
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Kankakee, IL · 2026 SOD (annual) · 10.8% share · #3 of 13 inst. · $0.3B 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 | 2.46% | 2.49% | 2.39% | 2.44% | 2.47% | +1 bps | |
| Return on Equity | 15.06% | 15.12% | 14.82% | 16.06% | 16.21% | +115 bps | |
| Net Interest Margin | 4.37% | 4.52% | 4.47% | 4.37% | 4.43% | +6 bps | |
| Efficiency Ratio | 36.11% | 35.79% | 38.78% | 35.96% | 36.19% | +8 bps | |
| Non-Interest Burden | 1.24% | 1.31% | 1.47% | 1.30% | 1.36% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.86% | -0.81% | 1.29% | 1.84% | 7.90% | +876 bps | |
| Loan Growth (YoY) | 9.35% | 6.14% | 4.34% | 3.41% | 2.53% | -683 bps | |
| Deposit Growth (YoY) | 0.76% | 0.39% | 2.67% | 4.63% | 7.86% | +710 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.02% | 0.06% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.18% | 1.19% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 69.5x | 63.7x | 21.0x | 31.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.95% | 16.93% | 14.87% | 15.40% | 15.56% | -39 bps | |
| Total Risk-Based Capital | 15.95% | 16.93% | 14.87% | 15.40% | 15.56% | -39 bps | |
| Equity / Assets | 15.88% | 16.93% | 14.96% | 15.40% | 15.32% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.76% | 94.00% | 92.06% | 87.56% | 85.32% | -444 bps | |
| Liquid Assets / Assets | 24.63% | 22.71% | 24.11% | 26.19% | 29.17% | +454 bps | |
| CRE / Total Capital | n/a | 216% | 242% | 234% | n/a | n/a | |