Sterling, IL · Cert 35131 · SV Financial Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #128 of 147 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.73% | 0.82% | 0.80% | 0.81% | +10 bps | |
| Return on Equity | 9.54% | 9.64% | 10.80% | 10.12% | 10.38% | +83 bps | |
| Net Interest Margin | 3.31% | 3.18% | 3.39% | 3.66% | 3.75% | +44 bps | |
| Efficiency Ratio | 71.06% | 71.21% | 68.64% | 70.99% | 71.03% | -2 bps | |
| Non-Interest Burden | 2.24% | 2.15% | 2.20% | 2.49% | 2.55% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.03% | 4.45% | 9.20% | 7.47% | 8.05% | -98 bps | |
| Loan Growth (YoY) | 9.32% | 7.52% | 11.78% | 11.07% | 5.60% | -372 bps | |
| Deposit Growth (YoY) | 6.93% | 1.69% | 5.69% | 5.49% | 7.97% | +104 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.26% | 1.24% | 1.12% | 1.03% | 0.87% | -39 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | -0.11% | -0.04% | -6 bps | |
| Allowance / Loans | 1.32% | 1.32% | 1.32% | 1.37% | 1.40% | +8 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.2x | 1.3x | 1.6x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.78% | 8.53% | 8.83% | 8.72% | 8.84% | +6 bps | |
| Total Risk-Based Capital | 12.30% | 12.37% | 12.56% | 12.49% | 12.74% | +44 bps | |
| Equity / Assets | 7.41% | 7.83% | 7.91% | 7.89% | 7.63% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.86% | 86.25% | 89.58% | 89.00% | 82.02% | -185 bps | |
| Liquid Assets / Assets | 2.87% | 1.40% | 0.31% | 0.95% | 2.27% | -60 bps | |
| CRE / Total Capital | n/a | 260% | 274% | 276% | n/a | n/a | |