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 (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 | 0.97% | 0.92% | 0.67% | 0.98% | 0.60% | 0.91% | 0.67% | 1.19% | +21 bps | |
| Return on Equity | 14.06% | 12.80% | 9.19% | 13.30% | 8.23% | 11.50% | 8.20% | 12.69% | -62 bps | |
| Net Interest Margin | 3.39% | 3.60% | 3.47% | 3.63% | 3.75% | 3.86% | 3.95% | 3.93% | +30 bps | |
| Efficiency Ratio | 65.64% | 65.32% | 75.80% | 61.15% | 73.02% | 68.07% | 77.15% | 61.51% | +36 bps | |
| Non-Interest Burden | 2.20% | 2.31% | 2.62% | 2.20% | 2.72% | 2.60% | 3.04% | 2.40% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.54% | 23.37% | 6.35% | 6.22% | 5.87% | -4.41% | 2.73% | -2.87% | -909 bps | |
| Loan Growth (YoY) | 10.79% | 8.94% | 4.25% | 8.00% | 12.24% | 12.49% | 10.57% | 2.56% | -545 bps | |
| Deposit Growth (YoY) | 7.63% | 26.08% | 7.28% | 6.63% | 5.67% | -6.05% | 2.32% | -6.55% | -1,317 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.56% | 0.56% | 1.72% | 1.56% | 0.00% | 0.07% | 0.14% | -159 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.14% | 0.18% | 0.07% | 0.12% | 0.02% | 0.05% | 0.07% | 0 bps | |
| Allowance / Loans | 0.70% | 0.72% | 0.65% | 0.67% | 0.70% | 0.73% | 0.72% | 0.72% | +5 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | 1.2x | 0.4x | 0.4x | n/a | 9.6x | 5.3x | +4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.95% | 8.54% | 8.41% | 8.31% | 8.22% | 8.72% | 8.71% | 11.78% | +347 bps | |
| Total Risk-Based Capital | 12.93% | 12.90% | 12.84% | 11.92% | 11.89% | 12.72% | 12.29% | 16.68% | +476 bps | |
| Equity / Assets | 7.47% | 6.86% | 7.83% | 6.95% | 7.61% | 8.29% | 8.18% | 10.46% | +351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.66% | 63.49% | 73.94% | 65.29% | 72.93% | 76.03% | 79.90% | 71.65% | +636 bps | |
| Liquid Assets / Assets | 9.94% | 15.00% | 6.32% | 20.84% | 11.51% | 9.22% | 7.60% | 16.95% | -388 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 37.89% | 36.37% | 36.92% | n/a | n/a | |