Paris, IL · Cert 3722 · Edgar County Banc Shares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.4% share · #16 of 33 inst. · $0.1B of $8.7B
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 | -0.37% | -0.19% | 0.31% | 0.22% | 0.12% | 0.14% | 0.14% | 0.21% | -2 bps | |
| Return on Equity | -8.72% | -4.30% | 6.59% | 4.44% | 2.28% | 2.55% | 2.23% | 3.36% | -108 bps | |
| Net Interest Margin | 1.78% | 1.85% | 2.08% | 2.22% | 2.23% | 2.25% | 2.43% | 2.46% | +24 bps | |
| Efficiency Ratio | 104.49% | 103.24% | 101.60% | 98.20% | 100.63% | 99.53% | 92.57% | 92.60% | -560 bps | |
| Non-Interest Burden | 1.88% | 1.92% | 2.12% | 2.16% | 2.24% | 2.23% | 2.19% | 2.22% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | -1.34% | -2.81% | -7.32% | -6.66% | -6.75% | -2.69% | 3.85% | +1,117 bps | |
| Loan Growth (YoY) | 4.00% | 0.36% | -4.72% | -8.94% | -13.97% | -10.76% | -8.55% | -0.05% | +890 bps | |
| Deposit Growth (YoY) | 11.48% | 9.24% | 8.98% | 8.78% | -0.77% | -5.50% | -2.98% | 2.37% | -641 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.24% | 0.26% | 0.30% | 0.25% | 0.47% | 0.48% | 0.45% | +15 bps | |
| Net Charge-Offs / Loans | 0.44% | 0.34% | 0.00% | 0.00% | 0.03% | 0.02% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.04% | 0.92% | 0.78% | 0.80% | 0.83% | 0.77% | 0.79% | 0.71% | -9 bps | |
| Allowance Coverage of NPLs | 4.0x | 3.8x | 3.0x | 2.7x | 3.3x | 1.6x | 1.6x | 1.6x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.56% | 7.77% | 8.03% | 8.39% | 8.35% | 8.40% | 8.54% | 8.50% | +12 bps | |
| Total Risk-Based Capital | 11.57% | 12.02% | 12.29% | 13.01% | 13.55% | 13.58% | 13.45% | 12.77% | -24 bps | |
| Equity / Assets | 4.86% | 4.50% | 5.03% | 5.55% | 5.72% | 6.27% | 5.98% | 6.08% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.20% | 83.54% | 80.18% | 80.33% | 73.87% | 78.89% | 75.58% | 78.43% | -190 bps | |
| Liquid Assets / Assets | 1.39% | 0.99% | 2.64% | 1.14% | 5.72% | 0.92% | 4.86% | 2.55% | +141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 432% | 438% | 444% | n/a | n/a | |