Clinton, IL · Cert 29535
SI · FDIC · 2 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 | 0.15% | 0.26% | 0.28% | 0.48% | 0.59% | +44 bps | |
| Return on Equity | 1.83% | 3.12% | 3.31% | 5.72% | 6.78% | +495 bps | |
| Net Interest Margin | 2.46% | 2.28% | 2.24% | 2.47% | 2.65% | +19 bps | |
| Efficiency Ratio | 89.64% | 86.30% | 81.89% | 81.40% | 78.08% | -1,157 bps | |
| Non-Interest Burden | 2.19% | 1.94% | 1.78% | 1.95% | 1.98% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.92% | 21.36% | 23.65% | 16.19% | 10.68% | +177 bps | |
| Loan Growth (YoY) | -6.58% | 5.62% | 5.22% | 4.38% | 4.77% | +1,135 bps | |
| Deposit Growth (YoY) | 8.80% | 25.86% | 21.46% | 21.47% | 3.95% | -485 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.96% | 0.81% | 1.19% | 0.88% | 1.21% | +25 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.28% | 0.32% | 0.08% | 0.29% | -17 bps | |
| Allowance / Loans | 0.69% | 0.67% | 0.61% | 0.61% | 0.53% | -16 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.5x | 0.7x | 0.4x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.22% | 10.44% | 9.82% | 10.23% | 10.47% | -75 bps | |
| Total Risk-Based Capital | 22.18% | 21.00% | 20.29% | 21.08% | 21.22% | -96 bps | |
| Equity / Assets | 7.66% | 7.98% | 8.46% | 8.31% | 9.33% | +167 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.00% | 59.19% | 59.08% | 54.58% | 59.47% | +47 bps | |
| Liquid Assets / Assets | 2.51% | 3.38% | 3.61% | 4.70% | 2.23% | -28 bps | |
| CRE / Total Capital | n/a | 36.29% | 35.18% | 31.62% | n/a | n/a | |