Kewanee, IL · Cert 27767
State savings bank · OCC · 6 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 1.1% share · #19 of 29 inst. · $0.1B of $10.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.15% | 0.32% | 0.10% | 0.39% | +16 bps | |
| Return on Equity | 1.48% | 0.94% | 1.99% | 0.63% | 2.44% | +96 bps | |
| Net Interest Margin | 2.90% | 2.98% | 3.23% | 3.08% | 3.10% | +19 bps | |
| Efficiency Ratio | 94.30% | 90.53% | 84.92% | 93.81% | 87.49% | -681 bps | |
| Non-Interest Burden | 2.76% | 2.72% | 2.74% | 2.88% | 2.68% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.50% | -3.17% | -3.43% | -1.61% | 0.00% | +351 bps | |
| Loan Growth (YoY) | -3.10% | -5.48% | -5.33% | -8.92% | -9.69% | -659 bps | |
| Deposit Growth (YoY) | -4.60% | -4.05% | -4.54% | -2.29% | -0.29% | +430 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.30% | 0.36% | 0.64% | 0.51% | +22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.67% | +68 bps | |
| Allowance / Loans | 1.15% | 1.19% | 1.23% | 1.32% | 1.16% | +1 bps | |
| Allowance Coverage of NPLs | 4.0x | 4.0x | 3.5x | 2.1x | 2.3x | -1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.02% | 16.26% | 16.52% | 16.63% | 16.53% | +51 bps | |
| Total Risk-Based Capital | 16.02% | 16.26% | 16.52% | 16.63% | 16.53% | +51 bps | |
| Equity / Assets | 16.01% | 16.12% | 16.25% | 16.13% | 16.28% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.46% | 100.44% | 99.46% | 93.72% | 91.90% | -956 bps | |
| Liquid Assets / Assets | 6.98% | 7.90% | 9.03% | 13.68% | 15.28% | +829 bps | |
| CRE / Total Capital | n/a | 203% | 197.44% | 177.64% | n/a | n/a | |