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 | |