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 | |