Casey, IL · Cert 3614 · Eagle Financial Corp.
State charter, non-member · FDIC · 6 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 | 1.02% | 1.05% | 1.36% | 1.46% | 1.48% | 1.46% | 1.40% | 1.35% | -12 bps | |
| Return on Equity | 11.30% | 11.66% | 14.29% | 15.31% | 15.25% | 14.81% | 13.46% | 12.97% | -234 bps | |
| Net Interest Margin | 3.15% | 3.22% | 3.75% | 3.80% | 3.82% | 3.89% | 3.99% | 3.92% | +12 bps | |
| Efficiency Ratio | 58.65% | 57.83% | 53.52% | 52.42% | 51.94% | 51.96% | 53.94% | 52.90% | +48 bps | |
| Non-Interest Burden | 1.71% | 1.73% | 1.83% | 1.79% | 1.77% | 1.81% | 1.95% | 1.88% | +9 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 | 0.04% | 0.14% | 0.02% | 0.07% | 0.08% | 0.10% | 0.01% | 0.02% | -5 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 | |