Lacon, IL · Cert 3688 · First Lacon Corp.
National charter · OCC · 1 branch
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.9% share · #16 of 35 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.75% | 0.79% | 0.67% | 0.93% | +12 bps | |
| Return on Equity | 11.26% | 10.22% | 10.58% | 8.20% | 10.27% | -99 bps | |
| Net Interest Margin | 3.50% | 3.56% | 3.71% | 3.95% | 3.88% | +38 bps | |
| Efficiency Ratio | 68.21% | 69.90% | 69.42% | 77.15% | 69.21% | +100 bps | |
| Non-Interest Burden | 2.37% | 2.47% | 2.56% | 3.04% | 2.67% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.22% | 5.87% | -4.41% | 2.73% | -2.87% | -909 bps | |
| Loan Growth (YoY) | 8.00% | 12.24% | 12.49% | 10.57% | 2.56% | -545 bps | |
| Deposit Growth (YoY) | 6.63% | 5.67% | -6.05% | 2.32% | -6.55% | -1,317 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.72% | 1.56% | 0.00% | 0.07% | 0.14% | -159 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.12% | 0.10% | 0.05% | 0.06% | -6 bps | |
| Allowance / Loans | 0.67% | 0.70% | 0.73% | 0.72% | 0.72% | +5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | n/a | 9.6x | 5.3x | +4.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.31% | 8.22% | 8.72% | 8.71% | 11.78% | +347 bps | |
| Total Risk-Based Capital | 11.92% | 11.89% | 12.72% | 12.29% | 16.68% | +476 bps | |
| Equity / Assets | 6.95% | 7.61% | 8.29% | 8.18% | 10.46% | +351 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.29% | 72.93% | 76.03% | 79.90% | 71.65% | +636 bps | |
| Liquid Assets / Assets | 20.84% | 11.51% | 9.22% | 7.60% | 16.95% | -388 bps | |
| CRE / Total Capital | n/a | 37.89% | 36.37% | 36.92% | n/a | n/a | |