Morris, IL · Cert 3713 · Illinois Valley Bcorp Inc.
State charter, Fed member · FED · 4 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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
55
Profitability
96
Liquidity
1
Efficiency
93
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.
Morris, IL · Cert 3713 · Illinois Valley Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #72 of 147 inst. · $0.4B of $630.7B
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 | 2.37% | 2.37% | 2.54% | 2.31% | 2.31% | 2.34% | 2.65% | 2.32% | +1 bps | |
| Return on Equity | 19.96% | 19.47% | 18.94% | 18.99% | 19.08% | 18.75% | 18.77% | 18.27% | -72 bps | |
| Net Interest Margin | 4.23% | 4.78% | 4.86% | 4.55% | 4.49% | 4.81% | 4.85% | 4.61% | +6 bps | |
| Efficiency Ratio | 45.01% | 45.95% | 43.06% | 44.08% | 43.80% | 45.51% | 43.10% | 44.94% | +87 bps | |
| Non-Interest Burden | 1.39% | 1.63% | 1.52% | 1.47% | 1.45% | 1.65% | 1.51% | 1.55% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.26% | 0.31% | 6.38% | 32.73% | 3.49% | 6.74% | 3.98% | 7.31% | -2,542 bps | |
| Loan Growth (YoY) | 3.99% | 4.37% | 8.01% | 8.83% | 12.46% | 7.17% | 0.19% | -3.58% | -1,242 bps | |
| Deposit Growth (YoY) | 12.25% | -1.92% | 5.46% | 35.86% | 2.55% | 6.02% | 2.94% | 7.01% | -2,885 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.16% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.20% | +20 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.00% | 0.03% | 0.03% | 0.03% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.20% | 1.18% | 1.16% | 1.15% | 1.14% | 1.14% | 1.15% | 1.13% | -2 bps | |
| Allowance Coverage of NPLs | 11.7x | 7.3x | 30.6x | n/a | 256.8x | 1004.3x | n/a | 5.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.42% | 12.33% | 12.80% | 11.68% | 11.51% | 12.89% | 13.53% | 12.62% | +94 bps | |
| Total Risk-Based Capital | 20.00% | 20.64% | 20.81% | 20.45% | 20.36% | 21.71% | 23.32% | 23.68% | +323 bps | |
| Equity / Assets | 11.15% | 13.45% | 13.33% | 10.28% | 11.97% | 14.03% | 14.19% | 10.57% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.11% | 82.26% | 81.18% | 61.49% | 74.70% | 83.15% | 79.01% | 55.41% | -609 bps | |
| Liquid Assets / Assets | 26.77% | 14.28% | 15.51% | 33.98% | 20.44% | 13.62% | 16.67% | 36.84% | +286 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 214% | 196.58% | 186.20% | n/a | n/a | |
Morris, IL · Cert 3713 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Illinois Valley Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.92%
Rank 2 of 57
Net Interest Margin
4.61%
Rank 4 of 57
Efficiency Ratio
44.94%
Rank 5 of 57
Equity / Assets
10.57%
Rank 34 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.92% | 0.51% | 0.84% | 1.19% | Beats 96% | 2 / 57 | ||
| Return on Equity | 18.12% | 3.13% | 7.76% | 11.40% | Beats 98% | 1 / 57 | ||
| Net Interest Margin | 4.61% | 3.16% | 3.63% | 4.08% | Beats 93% | 4 / 57 | ||
| Efficiency Ratio | 44.94% | 59.57% | 69.70% | 81.06% | Beats 93% | 5 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.06% | 0.34% | 1.78% | Beats 57% | 25 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 52% | 28 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.43% | 12.24% | 16.06% | 19.69% | Beats 79% | 12 / 57 | ||
| Total Risk-Based Capital Ratio | 23.68% | 12.54% | 16.50% | 20.95% | Beats 79% | 12 / 57 | ||
| Equity / Assets | 10.57% | 9.37% | 11.56% | 15.00% | Beats 40% | 34 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.41% | 66.29% | 85.59% | 95.16% | 12th pctl | 50 / 57 | ||
| Loans / Assets | 49.33% | 57.07% | 71.07% | 78.13% | 16th pctl | 48 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||