Beardstown, IL · Cert 30043
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 | 1.08% | 0.89% | 0.75% | 0.79% | 0.72% | -36 bps | |
| Return on Equity | 12.90% | 10.33% | 8.42% | 8.35% | 7.69% | -521 bps | |
| Net Interest Margin | 3.02% | 3.12% | 3.08% | 3.38% | 3.38% | +36 bps | |
| Efficiency Ratio | 72.22% | 74.09% | 76.79% | 76.93% | 77.39% | +517 bps | |
| Non-Interest Burden | 2.09% | 2.23% | 2.30% | 2.55% | 2.57% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.92% | 5.63% | 2.93% | 9.66% | 9.68% | -23 bps | |
| Loan Growth (YoY) | 1.08% | 2.54% | 0.36% | 3.57% | 5.36% | +428 bps | |
| Deposit Growth (YoY) | 4.16% | 5.83% | 1.29% | 10.48% | 11.52% | +736 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.92% | 1.49% | 1.45% | 1.38% | 1.15% | -77 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.07% | 0.10% | -0.01% | -0.01% | -12 bps | |
| Allowance / Loans | 0.70% | 0.68% | 0.63% | 0.63% | 0.62% | -8 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.4x | 0.5x | 0.5x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.97% | 11.15% | 10.99% | 10.53% | 10.55% | -42 bps | |
| Total Risk-Based Capital | 20.60% | 20.62% | 20.70% | 20.54% | 20.72% | +12 bps | |
| Equity / Assets | 8.44% | 9.41% | 9.74% | 9.21% | 9.20% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.92% | 77.43% | 76.45% | 70.08% | 69.84% | -408 bps | |
| Liquid Assets / Assets | 1.80% | 0.48% | 0.18% | 4.57% | 2.04% | +24 bps | |
| CRE / Total Capital | n/a | 63.82% | 63.07% | 98.76% | n/a | n/a | |