Collinsville, IL · Cert 28103
State savings bank · OCC · 1 branch
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #80 of 111 inst. · $0.1B of $141.7B
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 | 0.14% | 0.13% | 0.04% | 0.04% | 0.08% | 0.25% | 0.06% | 0.05% | +1 bps | |
| Return on Equity | 0.49% | 0.47% | 0.14% | 0.13% | 0.27% | 0.84% | 0.20% | 0.16% | +3 bps | |
| Net Interest Margin | 2.15% | 2.08% | 2.14% | 2.25% | 2.30% | 2.35% | 2.35% | 2.30% | +5 bps | |
| Efficiency Ratio | 94.81% | 112.06% | 101.09% | 100.89% | 98.39% | 96.85% | 98.97% | 99.70% | -118 bps | |
| Non-Interest Burden | 2.04% | 2.33% | 2.16% | 2.27% | 2.26% | 2.27% | 2.32% | 2.30% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.96% | -3.22% | -3.11% | -3.25% | -2.27% | -3.43% | -2.69% | -1.01% | +225 bps | |
| Loan Growth (YoY) | -4.78% | -4.11% | -2.88% | -2.26% | -1.77% | -2.42% | -4.00% | -4.31% | -205 bps | |
| Deposit Growth (YoY) | -8.27% | -4.65% | -4.45% | -4.72% | -3.42% | -5.03% | -4.06% | -1.64% | +308 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.09% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.82% | 0.73% | 0.73% | 0.73% | 0.73% | 0.70% | 0.71% | 0.71% | -2 bps | |
| Allowance Coverage of NPLs | 8.7x | 7.7x | 8.1x | 7.3x | 7.4x | 7.3x | 7.4x | 7.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 28.27% | 28.46% | 28.79% | 28.75% | 29.05% | 29.43% | 29.78% | 29.50% | +74 bps | |
| Total Risk-Based Capital | 28.27% | 28.46% | 28.79% | 28.75% | 29.05% | 29.43% | 29.78% | 29.50% | +74 bps | |
| Equity / Assets | 28.76% | 28.69% | 28.80% | 28.95% | 29.51% | 29.82% | 29.70% | 29.35% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.30% | 101.70% | 102.35% | 103.21% | 105.07% | 104.50% | 102.41% | 100.41% | -280 bps | |
| Liquid Assets / Assets | 25.74% | 26.73% | 26.31% | 25.83% | 25.13% | 25.80% | 27.14% | 28.16% | +234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 2.95% | 3.37% | 1.50% | n/a | n/a | |