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 (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 | 2.28% | 2.21% | 2.54% | 2.20% | 2.14% | 2.31% | 2.65% | 2.15% | -5 bps | |
| Return on Equity | 19.48% | 18.10% | 18.94% | 19.00% | 19.31% | 17.84% | 18.77% | 17.75% | -125 bps | |
| Net Interest Margin | 4.29% | 5.01% | 4.86% | 4.70% | 4.69% | 5.02% | 4.85% | 4.70% | 0 bps | |
| Efficiency Ratio | 45.03% | 48.62% | 43.06% | 45.02% | 43.27% | 50.38% | 43.10% | 46.73% | +171 bps | |
| Non-Interest Burden | 1.40% | 1.90% | 1.52% | 1.56% | 1.50% | 2.01% | 1.51% | 1.69% | +13 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 | 0.04% | 0.05% | 0.00% | 0.05% | 0.05% | 0.00% | 0.00% | 0.00% | -5 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 | |