Havana, IL · Cert 3677 · Community Investment Group Ltd.
National charter · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
30
Profitability
79
Liquidity
0
Efficiency
91
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Havana, IL · Cert 3677 · Community Investment Group Ltd.
National charter · OCC · 6 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.1% share · #35 of 35 inst. · $0.0B of $10.0B
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 | 1.24% | 1.25% | 1.21% | 1.48% | 1.44% | 1.43% | 1.31% | 1.63% | +15 bps | |
| Return on Equity | 12.05% | 12.03% | 11.06% | 13.77% | 13.34% | 13.15% | 11.88% | 14.66% | +89 bps | |
| Net Interest Margin | 3.32% | 3.34% | 3.34% | 3.45% | 3.43% | 3.39% | 3.43% | 3.57% | +12 bps | |
| Efficiency Ratio | 54.70% | 54.76% | 57.01% | 52.61% | 52.16% | 52.12% | 54.50% | 49.47% | -314 bps | |
| Non-Interest Burden | 1.59% | 1.58% | 1.70% | 1.51% | 1.51% | 1.50% | 1.65% | 1.36% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.46% | -0.61% | 3.87% | 3.38% | 7.10% | 8.41% | 8.24% | 2.75% | -63 bps | |
| Loan Growth (YoY) | -0.34% | -0.97% | 2.45% | 10.22% | 11.31% | 13.07% | 8.45% | 2.74% | -748 bps | |
| Deposit Growth (YoY) | -6.44% | -4.37% | 1.57% | -0.40% | 9.04% | 3.93% | 4.00% | -0.96% | -56 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.52% | 2.42% | 2.77% | 1.92% | 1.28% | 1.33% | 2.69% | -9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.01% | -0.04% | -0.03% | -0.01% | 0.03% | 0.04% | +7 bps | |
| Allowance / Loans | 1.01% | 1.06% | 1.05% | 0.99% | 1.05% | 1.07% | 1.09% | 1.04% | +5 bps | |
| Allowance Coverage of NPLs | 1.3x | 2.0x | 0.4x | 0.4x | 0.5x | 0.8x | 0.8x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.19% | 12.52% | 12.45% | 11.94% | 11.81% | 11.85% | 11.87% | 12.17% | +23 bps | |
| Total Risk-Based Capital | 12.19% | 12.52% | 12.45% | 11.94% | 11.81% | 11.85% | 11.87% | 12.17% | +23 bps | |
| Equity / Assets | 11.08% | 11.00% | 10.81% | 10.42% | 10.95% | 11.28% | 10.71% | 11.33% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.99% | 92.35% | 89.17% | 95.56% | 99.01% | 100.47% | 92.98% | 99.12% | +356 bps | |
| Liquid Assets / Assets | 0.70% | 2.77% | 5.59% | 3.08% | 1.58% | 2.65% | 8.95% | 4.33% | +125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 25.19% | 25.26% | 25.38% | n/a | n/a | |
Havana, IL · Cert 3677 · Peer group: banks under $1B in assets in IL (n=149-151) · Community Investment Group Ltd.
National charter · OCC · 6 branches
Q2 2026
Return on Assets
1.63%
Rank 16 of 151
Net Interest Margin
3.57%
Rank 58 of 151
Efficiency Ratio
49.71%
Rank 15 of 151
Equity / Assets
11.33%
Rank 57 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.63% | 0.70% | 1.03% | 1.34% | Beats 89% | 16 / 151 | ||
| Return on Equity | 14.37% | 6.74% | 9.34% | 12.94% | Beats 85% | 23 / 151 | ||
| Net Interest Margin | 3.57% | 3.02% | 3.43% | 3.83% | Beats 62% | 58 / 151 | ||
| Efficiency Ratio | 49.71% | 54.64% | 64.89% | 72.50% | Beats 91% | 15 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.69% | 0.20% | 0.66% | 1.77% | Beats 13% | 130 / 149 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 46% | 82 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.17% | 11.83% | 14.17% | 18.66% | Beats 30% | 105 / 151 | ||
| Total Risk-Based Capital Ratio | 12.17% | 12.22% | 14.54% | 19.92% | Beats 24% | 115 / 151 | ||
| Equity / Assets | 11.33% | 9.10% | 10.65% | 12.40% | Beats 62% | 57 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.12% | 54.39% | 71.02% | 80.75% | 97th pctl | 5 / 149 | ||
| Loans / Assets | 69.76% | 45.91% | 61.31% | 68.01% | 79th pctl | 32 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||