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 (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 | 2.02% | 1.96% | 1.94% | 1.92% | 1.83% | 1.79% | 1.99% | 1.92% | 0 bps | |
| Return on Equity | 17.90% | 17.26% | 16.40% | 15.81% | 14.86% | 14.36% | 15.56% | 14.64% | -117 bps | |
| Net Interest Margin | 5.40% | 5.46% | 5.35% | 5.35% | 5.47% | 5.42% | 5.21% | 5.18% | -17 bps | |
| Efficiency Ratio | 60.79% | 61.71% | 62.44% | 63.20% | 65.14% | 65.40% | 62.17% | 62.93% | -27 bps | |
| Non-Interest Burden | 2.61% | 2.74% | 2.64% | 2.72% | 2.94% | 2.95% | 2.48% | 2.54% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.20% | -0.18% | -0.03% | -1.83% | -0.96% | 3.95% | 1.33% | 1.42% | +325 bps | |
| Loan Growth (YoY) | 10.88% | 14.15% | 11.59% | 7.58% | 4.78% | 2.86% | 2.11% | 6.10% | -148 bps | |
| Deposit Growth (YoY) | -4.17% | -1.35% | -1.12% | -3.90% | -2.01% | 3.31% | 0.93% | 0.90% | +479 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.08% | 0.08% | 0.11% | 0.13% | 0.10% | 0.09% | +1 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 | 0.93% | 0.92% | 0.93% | 0.93% | 0.91% | 0.92% | 0.91% | 0.91% | -1 bps | |
| Allowance Coverage of NPLs | 10.5x | 10.8x | 11.2x | 11.5x | 8.7x | 7.2x | 9.3x | 10.0x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.64% | 11.70% | 11.85% | 12.32% | 12.50% | 12.83% | 12.35% | 12.71% | +38 bps | |
| Total Risk-Based Capital | 11.64% | 11.70% | 11.85% | 12.32% | 12.50% | 12.83% | 12.35% | 12.71% | +38 bps | |
| Equity / Assets | 12.07% | 11.82% | 11.79% | 12.86% | 12.97% | 12.93% | 12.69% | 13.78% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.79% | 65.28% | 63.71% | 68.06% | 70.35% | 64.99% | 64.46% | 71.57% | +351 bps | |
| Liquid Assets / Assets | 38.14% | 37.19% | 40.20% | 36.26% | 34.37% | 39.10% | 39.54% | 34.05% | -221 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 125.34% | 126.66% | 128.06% | n/a | n/a | |