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 (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 | 2.12% | 1.54% | 2.52% | 2.38% | 2.54% | 2.10% | 2.44% | 2.51% | +13 bps | |
| Return on Equity | 13.08% | 9.61% | 15.28% | 14.59% | 15.52% | 13.20% | 16.06% | 16.36% | +177 bps | |
| Net Interest Margin | 4.08% | 4.16% | 4.25% | 4.49% | 4.69% | 4.69% | 4.37% | 4.64% | +14 bps | |
| Efficiency Ratio | 38.28% | 49.18% | 34.06% | 38.12% | 35.17% | 47.51% | 35.96% | 36.40% | -173 bps | |
| Non-Interest Burden | 1.39% | 1.88% | 1.04% | 1.44% | 1.43% | 2.06% | 1.30% | 1.47% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | 0.04% | -0.55% | -0.86% | -0.81% | 1.29% | 1.84% | 7.90% | +876 bps | |
| Loan Growth (YoY) | -0.68% | 1.85% | 2.04% | 9.35% | 6.14% | 4.34% | 3.41% | 2.53% | -683 bps | |
| Deposit Growth (YoY) | -0.90% | 0.85% | 0.04% | 0.76% | 0.39% | 2.67% | 4.63% | 7.86% | +710 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.02% | 0.02% | 0.06% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.19% | 1.20% | 1.17% | 1.18% | 1.18% | 1.19% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 69.0x | n/a | 69.5x | 63.7x | 21.0x | 31.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.70% | 16.15% | 16.98% | 15.95% | 16.93% | 14.87% | 15.40% | 15.56% | -39 bps | |
| Total Risk-Based Capital | 15.70% | 16.15% | 16.98% | 15.95% | 16.93% | 14.87% | 15.40% | 15.56% | -39 bps | |
| Equity / Assets | 15.79% | 16.25% | 16.77% | 15.88% | 16.93% | 14.96% | 15.40% | 15.32% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.91% | 90.59% | 88.60% | 89.76% | 94.00% | 92.06% | 87.56% | 85.32% | -444 bps | |
| Liquid Assets / Assets | 27.79% | 26.54% | 27.43% | 24.63% | 22.71% | 24.11% | 26.19% | 29.17% | +454 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 216% | 242% | 234% | n/a | n/a | |