Casey, IL · Cert 3614 · Eagle Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | 1.08% | 1.15% | 1.36% | 1.57% | 1.51% | 1.37% | 1.40% | 1.28% | -29 bps | |
| Return on Equity | 11.97% | 12.44% | 14.29% | 16.19% | 15.30% | 13.38% | 13.46% | 12.37% | -382 bps | |
| Net Interest Margin | 3.24% | 3.48% | 3.75% | 3.88% | 3.96% | 4.07% | 3.99% | 3.98% | +10 bps | |
| Efficiency Ratio | 58.02% | 55.60% | 53.52% | 51.39% | 51.06% | 52.00% | 53.94% | 51.90% | +51 bps | |
| Non-Interest Burden | 1.73% | 1.80% | 1.83% | 1.77% | 1.77% | 1.94% | 1.95% | 1.86% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.49% | 0.84% | 1.00% | -0.47% | 0.12% | 1.25% | 6.25% | 3.08% | +355 bps | |
| Loan Growth (YoY) | 0.19% | -1.43% | 0.31% | 2.51% | 4.40% | 3.03% | 3.87% | 5.31% | +280 bps | |
| Deposit Growth (YoY) | 6.67% | 0.31% | 0.13% | -1.47% | -0.82% | -0.05% | 5.58% | 2.21% | +368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.05% | 0.16% | 0.17% | 0.27% | 0.31% | 0.25% | 0.50% | 1.02% | +75 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.43% | 0.02% | 0.12% | 0.10% | 0.15% | 0.01% | 0.04% | -8 bps | |
| Allowance / Loans | 1.63% | 1.55% | 1.61% | 1.62% | 1.66% | 1.69% | 1.76% | 1.87% | +25 bps | |
| Allowance Coverage of NPLs | 1.5x | 9.7x | 9.5x | 6.0x | 5.4x | 6.7x | 3.5x | 1.8x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.26% | 10.92% | 10.90% | 10.94% | 11.11% | 11.49% | 10.99% | +9 bps | |
| Total Risk-Based Capital | 10.10% | 10.26% | 10.92% | 10.90% | 10.94% | 11.11% | 11.49% | 10.99% | +9 bps | |
| Equity / Assets | 9.29% | 9.27% | 9.77% | 9.63% | 10.12% | 10.40% | 10.38% | 10.40% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.54% | 85.93% | 86.42% | 85.81% | 86.89% | 88.58% | 85.02% | 88.41% | +260 bps | |
| Liquid Assets / Assets | 1.67% | 1.05% | 1.07% | 1.07% | 1.07% | 1.08% | 1.04% | 1.07% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 210% | 205% | 199.96% | n/a | n/a | |