Champaign, IL · Cert 28445 · Great American Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.9% share · #13 of 33 inst. · $0.2B of $8.7B
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 | 1.88% | 1.66% | 1.70% | 1.99% | 1.83% | -5 bps | |
| Return on Equity | 15.25% | 12.84% | 13.12% | 15.56% | 13.83% | -141 bps | |
| Net Interest Margin | 5.34% | 5.46% | 5.38% | 5.21% | 5.17% | -16 bps | |
| Efficiency Ratio | 63.98% | 69.08% | 66.20% | 62.17% | 63.71% | -28 bps | |
| Non-Interest Burden | 2.81% | 3.23% | 3.06% | 2.48% | 2.61% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.83% | -0.96% | 3.95% | 1.33% | 1.42% | +325 bps | |
| Loan Growth (YoY) | 7.58% | 4.78% | 2.86% | 2.11% | 6.10% | -148 bps | |
| Deposit Growth (YoY) | -3.90% | -2.01% | 3.31% | 0.93% | 0.90% | +479 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.11% | 0.13% | 0.10% | 0.09% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.91% | 0.92% | 0.91% | 0.91% | -1 bps | |
| Allowance Coverage of NPLs | 11.5x | 8.7x | 7.2x | 9.3x | 10.0x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.32% | 12.50% | 12.83% | 12.35% | 12.71% | +38 bps | |
| Total Risk-Based Capital | 12.32% | 12.50% | 12.83% | 12.35% | 12.71% | +38 bps | |
| Equity / Assets | 12.86% | 12.97% | 12.93% | 12.69% | 13.78% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.06% | 70.35% | 64.99% | 64.46% | 71.57% | +351 bps | |
| Liquid Assets / Assets | 36.26% | 34.37% | 39.10% | 39.54% | 34.05% | -221 bps | |
| CRE / Total Capital | n/a | 125.34% | 126.66% | 128.06% | n/a | n/a | |