Saint Charles, MO · Cert 35597 · Lincoln County Bcorp Inc.
State charter, Fed member · FED · 3 affiliate banks · 3 branches (23 in holding)
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #72 of 111 inst. · $0.2B of $141.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.52% | 0.43% | 0.50% | 0.57% | 0.60% | 0.81% | 0.80% | +31 bps | |
| Return on Equity | 5.23% | 5.71% | 5.03% | 5.69% | 6.50% | 6.76% | 9.07% | 8.96% | +327 bps | |
| Net Interest Margin | 2.99% | 2.85% | 3.07% | 3.18% | 3.27% | 3.23% | 3.33% | 3.37% | +18 bps | |
| Efficiency Ratio | 80.42% | 78.89% | 81.85% | 79.91% | 77.00% | 76.52% | 69.24% | 68.67% | -1,124 bps | |
| Non-Interest Burden | 2.40% | 2.24% | 2.52% | 2.54% | 2.52% | 2.47% | 2.29% | 2.29% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.46% | 15.08% | 16.63% | 10.66% | 3.06% | 1.33% | 5.35% | 6.60% | -406 bps | |
| Loan Growth (YoY) | 7.55% | 10.60% | 11.96% | 6.93% | 11.42% | 12.04% | 9.35% | 18.16% | +1,123 bps | |
| Deposit Growth (YoY) | 12.13% | 15.87% | 17.61% | 10.94% | 2.68% | 0.53% | 5.17% | 6.69% | -426 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | -0.01% | -0.01% | -0.02% | -0.03% | -3 bps | |
| Allowance / Loans | 1.04% | 0.99% | 0.97% | 0.96% | 0.90% | 0.88% | 0.89% | 0.92% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.42% | 9.02% | 9.14% | 9.40% | 9.44% | 9.21% | 9.21% | 9.25% | -14 bps | |
| Total Risk-Based Capital | 11.93% | 11.77% | 11.72% | 12.02% | 11.24% | 10.95% | 11.01% | 9.25% | -277 bps | |
| Equity / Assets | 8.88% | 8.49% | 8.58% | 9.11% | 9.17% | 9.16% | 8.65% | 9.08% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.10% | 74.36% | 75.25% | 76.51% | 82.58% | 82.87% | 78.24% | 84.74% | +823 bps | |
| Liquid Assets / Assets | 10.14% | 9.96% | 9.56% | 8.28% | 3.84% | 2.57% | 8.30% | 3.78% | -450 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 520% | 532% | 539% | n/a | n/a | |