Red Bud, IL · Cert 30656
SI · FDIC · 3 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 | 0.05% | 0.07% | 0.14% | 0.38% | 0.42% | +37 bps | |
| Return on Equity | 0.64% | 0.90% | 1.78% | 4.80% | 5.29% | +465 bps | |
| Net Interest Margin | 1.85% | 1.91% | 1.99% | 2.25% | 2.34% | +48 bps | |
| Efficiency Ratio | 100.30% | 98.54% | 95.24% | 84.01% | 82.60% | -1,770 bps | |
| Non-Interest Burden | 1.86% | 1.88% | 1.89% | 1.85% | 1.89% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.17% | 0.62% | 3.51% | 2.45% | -0.59% | +58 bps | |
| Loan Growth (YoY) | 1.45% | 1.30% | 0.46% | 2.63% | 4.64% | +319 bps | |
| Deposit Growth (YoY) | -1.88% | 0.52% | 3.05% | 2.33% | -1.02% | +86 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.05% | 0.04% | 0.09% | 0.04% | -4 bps | |
| Allowance / Loans | 0.49% | 0.48% | 0.48% | 0.46% | 0.45% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.19% | 8.13% | 8.21% | 8.34% | 8.45% | +26 bps | |
| Total Risk-Based Capital | 22.80% | 22.76% | 22.76% | 22.90% | 21.90% | -90 bps | |
| Equity / Assets | 7.52% | 7.65% | 7.88% | 7.91% | 8.04% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.50% | 46.72% | 47.52% | 48.40% | 49.15% | +266 bps | |
| Liquid Assets / Assets | 29.75% | 27.66% | 27.20% | 27.17% | 25.91% | -384 bps | |
| CRE / Total Capital | n/a | 18.10% | 17.67% | 17.24% | n/a | n/a | |