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 | |