Springfield, IL · Cert 27362 · American Cntl Finl Group Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 1.7% share · #13 of 26 inst. · $0.2B of $9.8B
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 | 0.92% | 0.92% | 0.76% | 1.04% | 1.38% | 1.24% | 1.21% | 1.44% | +40 bps | |
| Return on Equity | 7.68% | 7.42% | 6.15% | 8.64% | 11.41% | 10.12% | 9.81% | 11.80% | +316 bps | |
| Net Interest Margin | 3.19% | 3.17% | 3.24% | 3.53% | 3.72% | 3.84% | 3.81% | 4.01% | +48 bps | |
| Efficiency Ratio | 68.04% | 69.74% | 73.57% | 64.33% | 59.17% | 58.75% | 62.12% | 58.34% | -598 bps | |
| Non-Interest Burden | 2.00% | 2.02% | 2.28% | 2.12% | 1.96% | 2.05% | 2.22% | 2.16% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -3.27% | 3.16% | -0.12% | 2.87% | 4.71% | 1.47% | 4.79% | +490 bps | |
| Loan Growth (YoY) | 2.09% | 1.28% | 6.41% | 8.87% | 7.14% | 7.46% | 2.74% | 0.01% | -886 bps | |
| Deposit Growth (YoY) | -1.72% | 0.65% | 3.53% | -0.17% | 3.86% | 4.95% | 1.05% | 4.53% | +470 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.22% | 0.21% | 0.30% | 0.30% | 0.25% | 0.26% | 0.52% | +22 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.00% | 0.10% | 0.01% | 0.20% | 0.09% | 0.00% | -10 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.05% | 1.02% | 1.01% | 1.03% | 1.05% | 1.05% | +4 bps | |
| Allowance Coverage of NPLs | 4.7x | 4.9x | 5.0x | 3.4x | 3.4x | 4.2x | 4.0x | 2.0x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 12.30% | 12.28% | 12.33% | 12.14% | 12.21% | 12.31% | 12.39% | +6 bps | |
| Total Risk-Based Capital | 11.93% | 12.30% | 12.28% | 12.33% | 12.14% | 12.21% | 12.31% | 12.39% | +6 bps | |
| Equity / Assets | 12.21% | 12.53% | 12.02% | 12.08% | 12.16% | 12.36% | 12.36% | 12.06% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.86% | 78.47% | 77.44% | 79.13% | 79.29% | 80.34% | 78.73% | 75.71% | -342 bps | |
| Liquid Assets / Assets | 30.34% | 28.53% | 29.60% | 27.67% | 27.44% | 26.87% | 28.81% | 31.13% | +346 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 262% | 261% | 254% | n/a | n/a | |