Collinsville, IL · Cert 33005 · First Co. Bcorp Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
55
Profitability
64
Liquidity
82
Efficiency
77
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Collinsville, IL · Cert 33005 · First Co. Bcorp Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 1.6% share · #14 of 111 inst. · $2.3B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.92% | 1.14% | 1.18% | 1.25% | 1.29% | 1.38% | 1.42% | +24 bps | |
| Return on Equity | 11.25% | 11.74% | 14.48% | 15.15% | 16.00% | 16.30% | 16.86% | 17.40% | +225 bps | |
| Net Interest Margin | 2.43% | 2.45% | 2.75% | 2.83% | 2.88% | 2.95% | 3.21% | 3.23% | +39 bps | |
| Efficiency Ratio | 61.71% | 60.09% | 56.01% | 54.52% | 53.10% | 52.52% | 52.04% | 50.98% | -355 bps | |
| Non-Interest Burden | 1.29% | 1.26% | 1.26% | 1.29% | 1.28% | 1.30% | 1.40% | 1.37% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.73% | 10.32% | 12.35% | 9.03% | 8.23% | 6.24% | 3.85% | 1.61% | -743 bps | |
| Loan Growth (YoY) | 7.94% | 6.07% | 6.17% | 5.18% | 2.98% | 5.89% | 5.56% | 5.59% | +41 bps | |
| Deposit Growth (YoY) | 11.00% | 10.43% | 13.97% | 9.64% | 13.71% | 11.12% | 7.25% | 5.54% | -410 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.33% | 0.41% | 0.41% | 0.39% | 0.46% | 0.80% | 0.76% | +34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.02% | -0.02% | 0.01% | -1 bps | |
| Allowance / Loans | 1.01% | 1.06% | 1.06% | 1.06% | 1.07% | 1.05% | 1.06% | 1.06% | 0 bps | |
| Allowance Coverage of NPLs | 2.2x | 3.2x | 2.6x | 2.6x | 2.7x | 2.3x | 1.3x | 1.4x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.36% | 8.21% | 8.27% | 8.10% | 8.03% | 7.98% | 8.49% | 8.45% | +35 bps | |
| Total Risk-Based Capital | 13.15% | 12.99% | 13.42% | 13.38% | 13.59% | 13.48% | 13.58% | 13.27% | -12 bps | |
| Equity / Assets | 7.92% | 7.77% | 7.92% | 7.72% | 7.92% | 8.14% | 8.19% | 8.13% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.02% | 95.72% | 92.83% | 90.28% | 86.96% | 91.22% | 91.37% | 90.31% | +4 bps | |
| Liquid Assets / Assets | 5.31% | 6.35% | 8.55% | 8.59% | 4.64% | 1.52% | 2.65% | 3.01% | -558 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 372% | 383% | 383% | n/a | n/a | |
Collinsville, IL · Cert 33005 · Peer group: banks $1B-$10B in assets (n=322-328) · First Co. Bcorp Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
Return on Assets
1.40%
Rank 107 of 328
Net Interest Margin
3.23%
Rank 212 of 328
Efficiency Ratio
51.04%
Rank 77 of 328
Equity / Assets
8.13%
Rank 306 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.91% | 1.22% | 1.52% | Beats 67% | 107 / 328 | ||
| Return on Equity | 17.26% | 8.43% | 11.45% | 14.43% | Beats 89% | 37 / 328 | ||
| Net Interest Margin | 3.23% | 3.03% | 3.45% | 3.83% | Beats 35% | 212 / 328 | ||
| Efficiency Ratio | 51.04% | 51.61% | 59.56% | 67.53% | Beats 77% | 77 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.24% | 0.51% | 1.03% | Beats 36% | 207 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 73% | 87 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.08% | 11.75% | 13.15% | 15.47% | Beats 32% | 223 / 328 | ||
| Total Risk-Based Capital Ratio | 13.27% | 12.63% | 14.15% | 16.46% | Beats 36% | 209 / 328 | ||
| Equity / Assets | 8.13% | 9.15% | 10.33% | 12.01% | Beats 7% | 306 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.31% | 76.63% | 87.92% | 95.36% | 57th pctl | 138 / 323 | ||
| Loans / Assets | 77.60% | 65.18% | 74.15% | 79.98% | 66th pctl | 111 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||