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 (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 | 1.30% | 1.30% | 1.21% | 1.74% | 1.35% | 1.41% | 1.31% | 1.93% | +19 bps | |
| Return on Equity | 12.44% | 11.78% | 11.06% | 16.36% | 12.64% | 12.68% | 11.88% | 17.50% | +115 bps | |
| Net Interest Margin | 3.44% | 3.33% | 3.34% | 3.62% | 3.63% | 3.47% | 3.43% | 3.71% | +8 bps | |
| Efficiency Ratio | 54.47% | 54.93% | 57.01% | 48.90% | 51.31% | 51.99% | 54.50% | 45.42% | -347 bps | |
| Non-Interest Burden | 1.62% | 1.55% | 1.70% | 1.35% | 1.61% | 1.55% | 1.65% | 1.06% | -29 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 | 0.10% | -0.02% | -0.01% | -0.07% | -0.01% | 0.04% | 0.03% | 0.04% | +11 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 | |