Effingham, IL · Cert 29227 · Washington Savings MHC
SI · FDIC · 4 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.18% | 0.31% | 0.71% | 0.77% | +70 bps | |
| Return on Equity | 0.60% | 1.72% | 2.88% | 6.39% | 6.80% | +620 bps | |
| Net Interest Margin | 2.04% | 2.12% | 2.22% | 2.45% | 2.53% | +48 bps | |
| Efficiency Ratio | 87.40% | 85.13% | 81.22% | 67.41% | 66.59% | -2,081 bps | |
| Non-Interest Burden | 1.71% | 1.72% | 1.69% | 1.46% | 1.50% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | -2.99% | 3.41% | 4.20% | -0.03% | -110 bps | |
| Loan Growth (YoY) | -2.92% | 1.75% | 3.96% | 6.50% | 7.84% | +1,076 bps | |
| Deposit Growth (YoY) | 2.56% | -3.90% | 2.29% | 3.71% | -0.23% | -279 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.56% | 0.49% | 0.38% | 0.29% | -19 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.02% | 0.07% | +7 bps | |
| Allowance / Loans | 1.07% | 1.03% | 1.02% | 1.00% | 0.94% | -12 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.9x | 2.1x | 2.6x | 3.2x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.62% | 11.57% | 11.84% | 11.86% | 12.07% | +45 bps | |
| Total Risk-Based Capital | 20.27% | 19.91% | 20.11% | 19.90% | 19.92% | -35 bps | |
| Equity / Assets | 10.48% | 11.21% | 11.29% | 11.06% | 11.51% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.33% | 69.19% | 68.51% | 68.10% | 70.61% | +528 bps | |
| Liquid Assets / Assets | 6.06% | 2.99% | 4.91% | 6.89% | 2.38% | -368 bps | |
| CRE / Total Capital | n/a | 223% | 217% | 225% | n/a | n/a | |