La Salle, IL · Cert 28401
SI · FDIC · 5 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.4% share · #27 of 35 inst. · $0.0B of $10.0B
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 | 0.93% | 0.97% | 0.94% | 1.00% | 1.05% | 1.01% | 0.95% | 0.89% | -11 bps | |
| Return on Equity | 4.79% | 4.95% | 4.76% | 5.04% | 5.23% | 4.99% | 4.62% | 4.32% | -72 bps | |
| Net Interest Margin | 2.68% | 2.69% | 2.73% | 2.83% | 2.86% | 2.88% | 3.09% | 3.15% | +32 bps | |
| Efficiency Ratio | 63.03% | 62.18% | 64.07% | 62.37% | 59.78% | 59.84% | 57.97% | 56.76% | -561 bps | |
| Non-Interest Burden | 1.60% | 1.58% | 1.68% | 1.69% | 1.62% | 1.63% | 1.70% | 1.69% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 2.52% | 3.74% | 3.60% | 2.89% | 4.46% | 4.34% | 3.84% | +24 bps | |
| Loan Growth (YoY) | 9.60% | 8.49% | 8.93% | 2.58% | 2.18% | 6.34% | 7.67% | 6.89% | +431 bps | |
| Deposit Growth (YoY) | 0.43% | 0.05% | 1.28% | 2.44% | 2.88% | 4.07% | 4.00% | 3.21% | +78 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 1.01% | 1.11% | 1.01% | 0.93% | 0.89% | 0.81% | 3.05% | +204 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.07% | -0.02% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | +1 bps | |
| Allowance / Loans | 1.17% | 1.06% | 1.07% | 1.05% | 1.04% | 1.02% | 1.01% | 1.16% | +11 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.0x | 1.0x | 1.1x | 1.2x | 1.3x | 0.4x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.24% | 21.27% | 21.25% | 21.38% | 21.68% | 21.61% | 21.53% | 21.56% | +18 bps | |
| Total Risk-Based Capital | 37.65% | 37.87% | 39.02% | 40.35% | 40.60% | 38.66% | 39.70% | 39.44% | -91 bps | |
| Equity / Assets | 20.03% | 19.77% | 19.81% | 20.13% | 20.70% | 20.62% | 20.48% | 20.77% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.13% | 82.42% | 79.72% | 81.79% | 82.56% | 84.21% | 82.54% | 84.71% | +292 bps | |
| Liquid Assets / Assets | 3.21% | 4.26% | 7.24% | 5.65% | 5.76% | 5.91% | 8.16% | 7.73% | +208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 60.06% | 70.01% | 69.85% | n/a | n/a | |