Casey, IL · Cert 34900 · Preferred Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.56% | -0.05% | 0.08% | -0.04% | 0.16% | 0.31% | 0.22% | +15 bps | |
| Return on Equity | 3.22% | 7.22% | -0.69% | 0.98% | -0.52% | 2.15% | 4.13% | 2.93% | +194 bps | |
| Net Interest Margin | 3.01% | 2.93% | 2.95% | 2.83% | 3.08% | 2.91% | 3.00% | 3.01% | +18 bps | |
| Efficiency Ratio | 97.94% | 82.71% | 101.85% | 100.74% | 94.20% | 96.74% | 91.38% | 93.19% | -755 bps | |
| Non-Interest Burden | 2.94% | 2.32% | 3.00% | 2.85% | 2.89% | 2.80% | 2.71% | 2.79% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.28% | 2.02% | -0.71% | 1.29% | 4.06% | 7.96% | 8.95% | 5.48% | +420 bps | |
| Loan Growth (YoY) | -3.25% | -5.85% | -6.56% | -0.47% | 4.82% | 9.53% | 6.47% | 3.65% | +412 bps | |
| Deposit Growth (YoY) | 6.79% | 3.46% | 1.51% | 3.95% | 7.14% | 9.56% | 9.20% | 5.53% | +158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 1.92% | 2.90% | 2.33% | 5.61% | 2.96% | 4.19% | 4.22% | +189 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.00% | 0.04% | 0.08% | -0.01% | 0.01% | -0.02% | -6 bps | |
| Allowance / Loans | 0.53% | 0.66% | 0.63% | 0.58% | 0.59% | 0.59% | 0.60% | 0.60% | +2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.2x | 0.3x | 0.1x | 0.2x | 0.1x | 0.1x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.48% | 8.78% | 8.62% | 8.27% | 8.18% | 8.16% | 8.30% | -32 bps | |
| Total Risk-Based Capital | 12.99% | 13.35% | 12.98% | 12.57% | 12.11% | 12.17% | 11.36% | 12.36% | -21 bps | |
| Equity / Assets | 7.85% | 7.55% | 7.77% | 7.61% | 7.63% | 7.65% | 7.58% | 7.60% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.41% | 70.07% | 69.82% | 71.02% | 70.85% | 70.05% | 68.07% | 69.75% | -127 bps | |
| Liquid Assets / Assets | 7.36% | 7.02% | 8.24% | 8.97% | 10.34% | 9.62% | 9.09% | 10.06% | +109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 164.48% | 162.50% | 161.70% | n/a | n/a | |