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 (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 | 0.71% | 0.71% | 0.65% | 0.77% | 0.75% | 1.10% | 0.80% | 0.83% | +5 bps | |
| Return on Equity | 9.96% | 9.66% | 8.70% | 10.31% | 9.89% | 13.97% | 10.12% | 10.68% | +37 bps | |
| Net Interest Margin | 3.09% | 3.23% | 3.27% | 3.42% | 3.20% | 3.94% | 3.66% | 3.85% | +43 bps | |
| Efficiency Ratio | 68.23% | 69.08% | 73.04% | 69.20% | 71.53% | 62.37% | 70.99% | 71.08% | +188 bps | |
| Non-Interest Burden | 1.99% | 2.09% | 2.29% | 2.25% | 2.17% | 2.28% | 2.49% | 2.62% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.31% | 4.49% | 5.02% | 9.03% | 4.45% | 9.20% | 7.47% | 8.05% | -98 bps | |
| Loan Growth (YoY) | 17.64% | 11.19% | 8.07% | 9.32% | 7.52% | 11.78% | 11.07% | 5.60% | -372 bps | |
| Deposit Growth (YoY) | 12.06% | 6.90% | 5.92% | 6.93% | 1.69% | 5.69% | 5.49% | 7.97% | +104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.22% | 0.99% | 1.26% | 1.24% | 1.12% | 1.03% | 0.87% | -39 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.14% | 0.03% | 0.01% | -0.01% | -0.01% | -0.11% | 0.03% | +2 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.31% | 1.32% | 1.32% | 1.32% | 1.37% | 1.40% | +8 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.3x | 1.0x | 1.1x | 1.2x | 1.3x | 1.6x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.79% | 8.80% | 8.78% | 8.53% | 8.83% | 8.72% | 8.84% | +6 bps | |
| Total Risk-Based Capital | 12.06% | 12.37% | 12.38% | 12.30% | 12.37% | 12.56% | 12.49% | 12.74% | +44 bps | |
| Equity / Assets | 7.32% | 7.36% | 7.63% | 7.41% | 7.83% | 7.91% | 7.89% | 7.63% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.57% | 84.70% | 84.53% | 83.86% | 86.25% | 89.58% | 89.00% | 82.02% | -185 bps | |
| Liquid Assets / Assets | 2.35% | 0.36% | 0.41% | 2.87% | 1.40% | 0.31% | 0.95% | 2.27% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 274% | 276% | n/a | n/a | |