Shelbyville, IL · Cert 29645
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.77% | 1.30% | 1.38% | 0.56% | -78 bps | |
| Return on Equity | 12.62% | 7.12% | 11.90% | 12.41% | 5.01% | -762 bps | |
| Net Interest Margin | 3.81% | 4.15% | 4.26% | 4.07% | 4.08% | +27 bps | |
| Efficiency Ratio | 61.79% | 64.52% | 66.61% | 61.34% | 80.06% | +1,826 bps | |
| Non-Interest Burden | 1.85% | 2.28% | 2.42% | 2.02% | 3.27% | +143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.22% | 8.71% | 5.75% | 5.42% | 10.86% | +663 bps | |
| Loan Growth (YoY) | 3.39% | 10.77% | 11.03% | 11.98% | 9.90% | +651 bps | |
| Deposit Growth (YoY) | 4.23% | 8.19% | 3.07% | 5.02% | 11.83% | +760 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.44% | 0.59% | 0.85% | 0.70% | +23 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.01% | 0.00% | 0.12% | +11 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.17% | 1.20% | 1.19% | -4 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 2.0x | 1.4x | 1.7x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.72% | 10.74% | 10.89% | 11.09% | 10.73% | +1 bps | |
| Total Risk-Based Capital | 14.98% | 14.60% | 14.73% | 15.23% | 15.16% | +18 bps | |
| Equity / Assets | 10.85% | 10.81% | 11.05% | 11.20% | 11.02% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.84% | 85.76% | 86.94% | 84.78% | 83.38% | -146 bps | |
| Liquid Assets / Assets | 2.65% | 5.42% | 5.72% | 7.09% | 4.72% | +207 bps | |
| CRE / Total Capital | n/a | 283% | 282% | 264% | n/a | n/a | |