Sterling, IL · Cert 27664
State savings bank · OCC · 9 branches
Q2 2026
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 | 0.00% | -0.11% | 0.09% | 0.18% | 0.14% | 0.19% | -0.18% | -2.24% | -242 bps | |
| Return on Equity | -0.03% | -1.70% | 1.43% | 2.67% | 2.07% | 2.62% | -2.25% | -28.87% | -3,153 bps | |
| Net Interest Margin | 2.88% | 2.88% | 3.10% | 3.03% | 3.21% | 3.30% | 3.34% | 3.44% | +41 bps | |
| Efficiency Ratio | 88.51% | 87.07% | 75.98% | 82.59% | 84.36% | 81.71% | 80.25% | 82.92% | +32 bps | |
| Non-Interest Burden | 2.46% | 2.41% | 2.19% | 2.39% | 2.58% | 2.55% | 2.54% | 2.71% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.26% | 4.46% | 4.21% | -0.48% | -6.91% | -3.86% | -6.66% | -7.56% | -707 bps | |
| Loan Growth (YoY) | 17.41% | 9.92% | 4.99% | 0.68% | -4.56% | -2.70% | -3.96% | -6.53% | -721 bps | |
| Deposit Growth (YoY) | 2.73% | 1.47% | 4.52% | 4.05% | -3.14% | -0.72% | -1.59% | -1.09% | -514 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.14% | 4.73% | 5.00% | 5.79% | 5.72% | 5.46% | 5.31% | 6.26% | +47 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 1.59% | 0.80% | 0.54% | 0.39% | 2.93% | 4.20% | +340 bps | |
| Allowance / Loans | 1.41% | 1.88% | 1.78% | 1.80% | 1.95% | 2.16% | 1.89% | 2.99% | +119 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.4x | 0.4x | 0.3x | 0.3x | 0.4x | 0.4x | 0.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.22% | 7.92% | 8.11% | 8.27% | 8.64% | 8.73% | 8.62% | 7.67% | -59 bps | |
| Total Risk-Based Capital | 12.22% | 12.14% | 12.20% | 12.49% | 12.58% | 12.99% | 13.02% | 11.80% | -69 bps | |
| Equity / Assets | 6.60% | 6.36% | 6.69% | 7.12% | 7.44% | 7.91% | 8.04% | 7.24% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.42% | 90.27% | 87.18% | 88.67% | 90.08% | 88.47% | 85.07% | 83.79% | -488 bps | |
| Liquid Assets / Assets | 3.01% | 2.88% | 4.12% | 2.57% | 2.32% | 3.07% | 2.51% | 1.93% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 477% | 486% | n/a | n/a | |