Mackinaw, IL · Cert 3698 · First Bcorp of Taylorville Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.9% share · #19 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 | 0.90% | 0.96% | 0.82% | 0.91% | 0.81% | 0.87% | 0.77% | 1.01% | +10 bps | |
| Return on Equity | 7.33% | 7.96% | 6.95% | 7.57% | 6.88% | 7.54% | 6.77% | 9.05% | +148 bps | |
| Net Interest Margin | 3.38% | 3.29% | 3.39% | 3.71% | 3.80% | 3.63% | 3.79% | 4.02% | +31 bps | |
| Efficiency Ratio | 63.57% | 62.86% | 68.44% | 67.67% | 62.04% | 69.58% | 66.21% | 65.45% | -223 bps | |
| Non-Interest Burden | 2.08% | 2.02% | 2.26% | 2.44% | 2.29% | 2.47% | 2.40% | 2.57% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.64% | 9.09% | 4.94% | 7.98% | 15.06% | 10.79% | 16.88% | 17.93% | +995 bps | |
| Loan Growth (YoY) | 7.65% | 3.52% | 6.48% | 9.35% | 11.16% | 18.29% | 28.28% | 25.42% | +1,606 bps | |
| Deposit Growth (YoY) | 7.24% | 9.55% | 4.70% | 8.22% | 16.34% | 10.99% | 13.68% | 12.10% | +388 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.75% | 0.97% | 0.00% | 0.33% | 0.00% | 0.00% | -97 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.23% | 1.23% | 1.22% | 1.15% | 1.19% | 1.12% | 1.12% | 1.11% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.6x | 1.2x | n/a | 3.4x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.85% | 9.38% | 9.67% | 10.02% | 9.60% | 9.40% | 9.31% | 9.22% | -80 bps | |
| Total Risk-Based Capital | 9.85% | 9.38% | 9.67% | 10.02% | 9.60% | 9.40% | 9.31% | 9.22% | -80 bps | |
| Equity / Assets | 12.39% | 11.77% | 11.93% | 12.05% | 11.43% | 11.70% | 11.14% | 11.16% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.77% | 84.30% | 84.16% | 87.78% | 83.87% | 89.84% | 94.97% | 98.21% | +1,043 bps | |
| Liquid Assets / Assets | 1.64% | 4.87% | 3.10% | 1.71% | 5.32% | 0.02% | 0.01% | 0.01% | -171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 94.04% | 114.49% | 131.53% | n/a | n/a | |