Springfield, IL · Cert 27723 · Security Midwest Bcorp Inc.
SI · FDIC · 3 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
85
Profitability
34
Liquidity
87
Efficiency
24
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.
Springfield, IL · Cert 27723 · Security Midwest Bcorp Inc.
SI · FDIC · 3 branches
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 1.9% share · #12 of 26 inst. · $0.2B of $9.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.31% | 0.76% | 0.69% | 0.66% | 0.15% | 0.65% | 0.68% | -1 bps | |
| Return on Equity | 1.79% | 4.90% | 11.31% | 10.10% | 8.49% | 1.90% | 7.63% | 7.81% | -230 bps | |
| Net Interest Margin | 3.10% | 3.23% | 3.52% | 3.82% | 3.77% | 3.53% | 3.50% | 3.64% | -18 bps | |
| Efficiency Ratio | 81.51% | 89.37% | 76.43% | 78.34% | 79.76% | 90.51% | 75.50% | 76.10% | -224 bps | |
| Non-Interest Burden | 2.44% | 2.79% | 2.49% | 2.78% | 2.82% | 3.10% | 2.44% | 2.57% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.54% | 5.86% | -5.24% | -1.15% | -16.50% | 19.44% | 15.53% | 12.93% | +1,408 bps | |
| Loan Growth (YoY) | 2.78% | 4.43% | 1.92% | 4.57% | 1.57% | 4.07% | 16.32% | 21.85% | +1,728 bps | |
| Deposit Growth (YoY) | 28.75% | 12.11% | -6.34% | -2.08% | -21.09% | -1.27% | -4.20% | -7.48% | -541 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.34% | 1.16% | 0.78% | 0.72% | 0.60% | 0.27% | 0.17% | 0.16% | -56 bps | |
| Net Charge-Offs / Loans | 0.94% | 0.90% | 0.13% | 0.02% | 0.01% | 0.11% | -0.01% | -0.01% | -3 bps | |
| Allowance / Loans | 2.05% | 1.02% | 1.01% | 1.02% | 1.00% | 0.87% | 0.86% | 0.85% | -17 bps | |
| Allowance Coverage of NPLs | 1.5x | 0.9x | 1.3x | 1.4x | 1.7x | 3.3x | 5.0x | 5.3x | +3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.74% | 8.07% | 8.22% | 9.15% | 11.98% | 10.63% | 9.75% | 10.09% | +94 bps | |
| Total Risk-Based Capital | 16.47% | 16.85% | 17.43% | 17.41% | 22.56% | 20.73% | 19.76% | 19.14% | +173 bps | |
| Equity / Assets | 5.99% | 6.49% | 6.95% | 7.17% | 10.87% | 8.40% | 8.65% | 9.28% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.66% | 57.09% | 55.35% | 56.29% | 63.93% | 60.18% | 67.21% | 74.13% | +1,785 bps | |
| Liquid Assets / Assets | 27.38% | 18.11% | 21.21% | 21.00% | 15.14% | 17.76% | 11.13% | 6.12% | -1,489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 237% | 249% | 280% | n/a | n/a | |
Springfield, IL · Cert 27723 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Midwest Bcorp Inc.
SI · FDIC · 3 branches
Q2 2026
Return on Assets
0.70%
Rank 568 of 746
Net Interest Margin
3.64%
Rank 389 of 746
Efficiency Ratio
76.10%
Rank 565 of 746
Equity / Assets
9.28%
Rank 521 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.72% | 1.06% | 1.45% | Beats 24% | 568 / 746 | ||
| Return on Equity | 7.57% | 6.74% | 10.51% | 13.63% | Beats 31% | 517 / 746 | ||
| Net Interest Margin | 3.64% | 3.17% | 3.68% | 4.16% | Beats 48% | 389 / 746 | ||
| Efficiency Ratio | 76.10% | 55.74% | 64.58% | 75.47% | Beats 24% | 565 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.42% | 1.07% | Beats 69% | 229 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.26% | 11.55% | 13.75% | 17.60% | Beats 78% | 163 / 746 | ||
| Total Risk-Based Capital Ratio | 19.14% | 11.71% | 14.33% | 18.43% | Beats 78% | 165 / 746 | ||
| Equity / Assets | 9.28% | 8.90% | 10.51% | 13.06% | Beats 30% | 521 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.13% | 61.31% | 78.27% | 90.78% | 43rd pctl | 427 / 746 | ||
| Loans / Assets | 56.24% | 53.60% | 66.97% | 76.08% | 30th pctl | 524 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||