Effingham, IL · Cert 29227 · Washington Savings MHC
SI · FDIC · 4 branches
Q2 2026
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 | 0.21% | 0.13% | 0.18% | -0.05% | 0.42% | 0.69% | 0.71% | 0.81% | +87 bps | |
| Return on Equity | 2.03% | 1.21% | 1.75% | -0.52% | 3.88% | 6.13% | 6.39% | 7.20% | +773 bps | |
| Net Interest Margin | 1.80% | 1.91% | 1.99% | 2.13% | 2.34% | 2.46% | 2.45% | 2.61% | +47 bps | |
| Efficiency Ratio | 89.41% | 93.89% | 91.25% | 83.94% | 81.10% | 71.17% | 67.41% | 65.80% | -1,815 bps | |
| Non-Interest Burden | 1.54% | 1.76% | 1.76% | 1.69% | 1.79% | 1.56% | 1.46% | 1.53% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.30% | -3.34% | -2.91% | 1.08% | -2.99% | 3.41% | 4.20% | -0.03% | -110 bps | |
| Loan Growth (YoY) | -1.31% | -3.63% | -3.25% | -2.92% | 1.75% | 3.96% | 6.50% | 7.84% | +1,076 bps | |
| Deposit Growth (YoY) | -1.31% | -1.88% | -2.22% | 2.56% | -3.90% | 2.29% | 3.71% | -0.23% | -279 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.76% | 0.47% | 0.48% | 0.56% | 0.49% | 0.38% | 0.29% | -19 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.01% | -0.01% | -0.01% | 0.03% | 0.02% | 0.12% | +13 bps | |
| Allowance / Loans | 1.04% | 1.05% | 1.04% | 1.07% | 1.03% | 1.02% | 1.00% | 0.94% | -12 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.4x | 2.2x | 2.2x | 1.9x | 2.1x | 2.6x | 3.2x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.83% | 11.85% | 11.62% | 11.57% | 11.84% | 11.86% | 12.07% | +45 bps | |
| Total Risk-Based Capital | 20.25% | 20.37% | 20.41% | 20.27% | 19.91% | 20.11% | 19.90% | 19.92% | -35 bps | |
| Equity / Assets | 10.41% | 10.36% | 10.43% | 10.48% | 11.21% | 11.29% | 11.06% | 11.51% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.35% | 67.41% | 66.31% | 65.33% | 69.19% | 68.51% | 68.10% | 70.61% | +528 bps | |
| Liquid Assets / Assets | 6.75% | 5.12% | 6.75% | 6.06% | 2.99% | 4.91% | 6.89% | 2.38% | -368 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 223% | 217% | 225% | n/a | n/a | |