Johnston City, IL · Cert 35229 · Southern IL Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 1.05% | 1.06% | 0.99% | 1.10% | 1.02% | 1.06% | 1.16% | 1.13% | +4 bps | |
| Return on Equity | 8.82% | 8.95% | 8.37% | 9.06% | 8.11% | 8.12% | 7.47% | 7.26% | -180 bps | |
| Net Interest Margin | 3.39% | 3.25% | 3.21% | 3.32% | 3.36% | 3.53% | 3.42% | 3.47% | +15 bps | |
| Efficiency Ratio | 64.34% | 64.37% | 64.24% | 61.81% | 63.93% | 65.65% | 69.21% | 63.82% | +201 bps | |
| Non-Interest Burden | 1.98% | 1.90% | 1.88% | 1.86% | 1.95% | 2.12% | 2.20% | 2.01% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | 6.42% | 5.28% | 5.73% | -2.06% | -12.37% | -11.67% | -11.69% | -1,741 bps | |
| Loan Growth (YoY) | -0.47% | 4.16% | 3.45% | -1.44% | -5.92% | -14.52% | -20.80% | -16.68% | -1,524 bps | |
| Deposit Growth (YoY) | -1.39% | -1.51% | -3.19% | 4.73% | -4.22% | -5.61% | -4.27% | -11.28% | -1,601 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.89% | 0.70% | 5.32% | 4.47% | 4.70% | 5.17% | 4.75% | -57 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.31% | 0.25% | 0.18% | 0.00% | 0.00% | -31 bps | |
| Allowance / Loans | 1.06% | 1.04% | 1.07% | 1.01% | 1.04% | 1.15% | 1.30% | 1.34% | +32 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.2x | 1.5x | 0.2x | 0.2x | 0.2x | 0.3x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.10% | 14.63% | 14.56% | 14.80% | 15.69% | 16.90% | 17.77% | 17.72% | +292 bps | |
| Total Risk-Based Capital | 15.10% | 14.63% | 14.56% | 14.80% | 15.69% | 16.90% | 17.77% | 17.72% | +292 bps | |
| Equity / Assets | 12.49% | 11.65% | 11.99% | 12.68% | 13.94% | 15.53% | 15.47% | 15.88% | +319 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.14% | 77.58% | 76.64% | 68.61% | 70.86% | 70.27% | 63.41% | 64.43% | -418 bps | |
| Liquid Assets / Assets | 1.48% | 1.43% | 1.43% | 1.13% | 1.01% | 1.08% | 1.08% | 0.91% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 147.40% | 153.25% | 141.81% | n/a | n/a | |