Prophetstown, IL · Cert 3732 · Prophetstown Banking Co.
National charter · OCC · 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 IL (n=149 to 151). 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
86
Profitability
40
Liquidity
54
Efficiency
96
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.
Prophetstown, IL · Cert 3732 · Prophetstown Banking Co.
National charter · OCC · 4 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 2.4% share · #12 of 29 inst. · $0.2B of $10.5B
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 | 1.18% | 1.24% | 1.02% | 0.98% | 1.03% | 1.16% | 1.07% | 1.17% | +19 bps | |
| Return on Equity | 9.45% | 9.98% | 8.08% | 7.70% | 7.92% | 8.82% | 7.81% | 8.41% | +71 bps | |
| Net Interest Margin | 2.67% | 2.59% | 2.61% | 2.64% | 2.70% | 2.76% | 2.89% | 2.94% | +29 bps | |
| Efficiency Ratio | 45.58% | 45.36% | 50.91% | 48.15% | 47.94% | 47.33% | 46.87% | 44.96% | -319 bps | |
| Non-Interest Burden | 1.08% | 1.04% | 1.21% | 1.14% | 1.16% | 1.16% | 1.20% | 1.16% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | 1.74% | 5.37% | 6.52% | 1.98% | 1.83% | 2.11% | -0.86% | -737 bps | |
| Loan Growth (YoY) | 10.82% | 13.84% | 12.21% | 10.56% | 10.72% | 3.14% | 2.83% | 4.27% | -629 bps | |
| Deposit Growth (YoY) | 0.01% | 5.35% | 5.66% | 6.69% | 3.55% | -0.89% | 1.64% | 1.09% | -560 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.10% | 0.45% | 0.09% | 0.01% | 0.04% | 1.22% | 0.23% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 3.45% | 3.02% | 3.05% | 3.19% | 3.27% | 3.04% | 3.11% | 3.23% | +4 bps | |
| Allowance Coverage of NPLs | 17.1x | 29.3x | 6.8x | 34.8x | 475.8x | 82.5x | 2.5x | 14.1x | -20.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.71% | 14.32% | 14.45% | 14.36% | 14.71% | 14.89% | 14.87% | 15.03% | +67 bps | |
| Total Risk-Based Capital | 14.71% | 14.32% | 14.45% | 14.36% | 14.71% | 14.89% | 14.87% | 15.03% | +67 bps | |
| Equity / Assets | 13.33% | 12.38% | 12.82% | 12.85% | 13.79% | 13.76% | 13.70% | 14.29% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.84% | 80.18% | 78.37% | 77.08% | 81.10% | 83.44% | 79.29% | 79.51% | +243 bps | |
| Liquid Assets / Assets | 5.46% | 2.69% | 4.42% | 4.99% | 3.47% | 2.70% | 6.55% | 5.01% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 19.00% | 18.84% | 18.34% | n/a | n/a | |
Prophetstown, IL · Cert 3732 · Peer group: banks under $1B in assets in IL (n=149-151) · Prophetstown Banking Co.
National charter · OCC · 4 branches
Q2 2026
Return on Assets
1.18%
Rank 58 of 151
Net Interest Margin
2.94%
Rank 121 of 151
Efficiency Ratio
44.96%
Rank 7 of 151
Equity / Assets
14.29%
Rank 20 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.70% | 1.03% | 1.34% | Beats 62% | 58 / 151 | ||
| Return on Equity | 8.27% | 6.74% | 9.34% | 12.94% | Beats 38% | 93 / 151 | ||
| Net Interest Margin | 2.94% | 3.02% | 3.43% | 3.83% | Beats 20% | 121 / 151 | ||
| Efficiency Ratio | 44.96% | 54.64% | 64.89% | 72.50% | Beats 96% | 7 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.20% | 0.66% | 1.77% | Beats 71% | 44 / 149 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.03% | 11.83% | 14.17% | 18.66% | Beats 57% | 65 / 151 | ||
| Total Risk-Based Capital Ratio | 15.03% | 12.22% | 14.54% | 19.92% | Beats 54% | 70 / 151 | ||
| Equity / Assets | 14.29% | 9.10% | 10.65% | 12.40% | Beats 87% | 20 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.51% | 54.39% | 71.02% | 80.75% | 72nd pctl | 42 / 149 | ||
| Loans / Assets | 56.56% | 45.91% | 61.31% | 68.01% | 41st pctl | 89 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||