Clinton, IL · Cert 29535
SI · FDIC · 2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.45% | 0.32% | 0.48% | 0.70% | +55 bps | |
| Return on Equity | 1.92% | 5.74% | 3.87% | 5.72% | 7.98% | +605 bps | |
| Net Interest Margin | 2.45% | 2.31% | 2.57% | 2.47% | 2.81% | +36 bps | |
| Efficiency Ratio | 87.34% | 80.02% | 70.85% | 81.40% | 75.28% | -1,206 bps | |
| Non-Interest Burden | 2.11% | 1.77% | 1.71% | 1.95% | 1.99% | -12 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 | 0.42% | 0.04% | 0.42% | 0.08% | 0.49% | +7 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 | |