Mascoutah, IL · Cert 30969
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #68 of 111 inst. · $0.2B of $141.7B
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 | 0.77% | 0.79% | 0.80% | 0.82% | 0.85% | +8 bps | |
| Return on Equity | 8.43% | 8.52% | 8.51% | 8.43% | 8.73% | +30 bps | |
| Net Interest Margin | 2.60% | 2.66% | 2.71% | 2.72% | 2.77% | +17 bps | |
| Efficiency Ratio | 60.37% | 59.27% | 58.85% | 59.07% | 58.23% | -214 bps | |
| Non-Interest Burden | 1.52% | 1.52% | 1.53% | 1.55% | 1.55% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.30% | 6.15% | 3.00% | 5.89% | 5.75% | -455 bps | |
| Loan Growth (YoY) | 13.97% | 9.04% | -1.56% | 4.16% | 6.05% | -792 bps | |
| Deposit Growth (YoY) | 9.80% | 8.65% | 7.18% | 5.25% | 4.74% | -506 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.29% | 2.30% | 2.25% | 2.19% | 2.12% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.84% | 0.90% | 0.97% | 0.98% | 0.99% | +15 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.17% | 10.34% | 10.53% | 10.46% | 10.46% | +28 bps | |
| Total Risk-Based Capital | 16.16% | 16.47% | 17.06% | 16.68% | 16.49% | +34 bps | |
| Equity / Assets | 9.35% | 9.78% | 9.81% | 9.75% | 9.75% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.09% | 88.90% | 85.37% | 86.66% | 88.18% | +109 bps | |
| Liquid Assets / Assets | 3.41% | 2.18% | 5.17% | 3.40% | 2.73% | -68 bps | |
| CRE / Total Capital | n/a | 134.23% | 135.76% | 150.98% | n/a | n/a | |