Freeport, IL · Cert 35169
FDIC · 1 branch
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.77% | 1.36% | 1.08% | 1.10% | 1.07% | 1.13% | 1.27% | +19 bps | |
| Return on Equity | 7.57% | 10.37% | 17.92% | 13.15% | 13.33% | 12.64% | 13.29% | 14.19% | +104 bps | |
| Net Interest Margin | 3.21% | 3.21% | 3.08% | 2.79% | 2.82% | 2.80% | 2.86% | 3.08% | +29 bps | |
| Efficiency Ratio | 45.30% | 47.43% | 47.77% | 52.55% | 52.19% | 53.48% | 52.56% | 51.09% | -145 bps | |
| Non-Interest Burden | 1.29% | 1.36% | 1.30% | 1.31% | 1.32% | 1.35% | 1.33% | 1.37% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.01% | 11.21% | 9.62% | -3.32% | 5.06% | 4.37% | -1.16% | 1.41% | +473 bps | |
| Loan Growth (YoY) | 23.58% | 22.46% | 19.50% | 0.80% | 6.31% | -0.01% | -1.57% | 0.72% | -8 bps | |
| Deposit Growth (YoY) | 13.64% | 14.45% | 14.67% | -1.72% | 6.49% | 5.52% | -4.56% | -5.58% | -386 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.12% | 1.58% | 0.38% | 0.36% | 0.35% | 0.35% | 0.37% | 0.27% | -9 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.19% | 0.29% | 0.00% | 0.00% | 0.00% | 0.01% | -0.05% | -5 bps | |
| Allowance / Loans | 2.12% | 2.07% | 1.06% | 1.08% | 1.10% | 1.16% | 1.06% | 1.07% | -1 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.3x | 2.8x | 3.0x | 3.1x | 3.3x | 2.9x | 4.0x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.83% | 9.91% | 10.00% | 10.05% | 10.18% | 10.34% | 10.59% | +59 bps | |
| Total Risk-Based Capital | 9.37% | 9.83% | 9.91% | 10.00% | 10.05% | 10.18% | 10.34% | 10.59% | +59 bps | |
| Equity / Assets | 7.61% | 7.40% | 8.16% | 8.24% | 8.42% | 8.98% | 8.82% | 9.09% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.70% | 92.50% | 88.51% | 89.60% | 90.55% | 87.65% | 91.28% | 95.57% | +598 bps | |
| Liquid Assets / Assets | 0.95% | 1.03% | 0.88% | 0.91% | 0.88% | 2.22% | 0.84% | 1.72% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |