Marengo, IL · Cert 34526 · Marengo Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #103 of 147 inst. · $0.2B of $630.7B
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 | 0.46% | 0.49% | 0.65% | 0.68% | 0.69% | 0.69% | 0.67% | 0.71% | +3 bps | |
| Return on Equity | 6.10% | 6.40% | 8.47% | 8.95% | 9.09% | 8.95% | 8.36% | 8.82% | -14 bps | |
| Net Interest Margin | 3.50% | 3.49% | 3.70% | 3.58% | 3.57% | 3.61% | 3.68% | 3.78% | +20 bps | |
| Efficiency Ratio | 83.90% | 83.40% | 86.59% | 85.03% | 83.93% | 83.62% | 82.85% | 79.95% | -508 bps | |
| Non-Interest Burden | 2.87% | 2.84% | 3.15% | 2.98% | 2.94% | 2.96% | 2.98% | 2.93% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.95% | 3.43% | 12.18% | 11.32% | 10.98% | 10.88% | 5.36% | 0.70% | -1,061 bps | |
| Loan Growth (YoY) | 10.59% | 16.40% | 13.59% | 13.29% | 11.07% | 3.20% | 5.54% | 8.12% | -517 bps | |
| Deposit Growth (YoY) | 4.84% | 4.10% | 12.26% | 11.85% | 11.77% | 12.02% | 6.75% | 1.35% | -1,050 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.89% | 0.09% | 0.09% | 0.17% | 0.17% | 2.95% | 2.82% | +273 bps | |
| Net Charge-Offs / Loans | -0.18% | -0.15% | 0.12% | 0.04% | -0.09% | -0.09% | -0.09% | -0.07% | -11 bps | |
| Allowance / Loans | 2.16% | 2.03% | 1.91% | 1.74% | 1.72% | 1.66% | 1.60% | 1.52% | -22 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.3x | 21.2x | 19.9x | 10.0x | 9.9x | 0.5x | 0.5x | -19.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.62% | 8.47% | 8.76% | 8.52% | 8.41% | 8.55% | 8.80% | 8.75% | +23 bps | |
| Total Risk-Based Capital | 14.27% | 13.61% | 14.12% | 13.70% | 13.45% | 13.87% | 13.99% | 13.26% | -43 bps | |
| Equity / Assets | 7.69% | 7.72% | 7.56% | 7.59% | 7.61% | 8.05% | 8.05% | 8.17% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.59% | 80.15% | 73.87% | 73.74% | 72.13% | 73.84% | 73.03% | 78.66% | +492 bps | |
| Liquid Assets / Assets | 11.25% | 5.68% | 13.58% | 9.05% | 10.17% | 9.99% | 12.13% | 5.19% | -386 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 519% | 507% | 487% | n/a | n/a | |