Tremont, IL · Cert 3749 · Tremont Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 1.1% share · #14 of 35 inst. · $0.1B of $10.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.68% | 0.79% | 0.81% | 0.92% | +27 bps | |
| Return on Equity | 7.07% | 7.21% | 8.30% | 8.40% | 9.50% | +243 bps | |
| Net Interest Margin | 3.44% | 3.43% | 3.48% | 3.60% | 3.70% | +26 bps | |
| Efficiency Ratio | 75.21% | 75.01% | 71.62% | 71.24% | 68.00% | -721 bps | |
| Non-Interest Burden | 2.51% | 2.50% | 2.40% | 2.48% | 2.42% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.89% | 7.72% | 7.55% | 9.98% | 2.49% | -1,041 bps | |
| Loan Growth (YoY) | 2.87% | -1.30% | 3.03% | 5.03% | 5.34% | +246 bps | |
| Deposit Growth (YoY) | 12.45% | 7.79% | 7.23% | 9.95% | 1.56% | -1,089 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.32% | 0.58% | 0.34% | 0.44% | 0.66% | +34 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.04% | 0.06% | 0.05% | +1 bps | |
| Allowance / Loans | 1.15% | 1.19% | 1.15% | 1.20% | 1.20% | +4 bps | |
| Allowance Coverage of NPLs | 3.6x | 2.0x | 3.4x | 2.8x | 1.8x | -1.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.50% | 9.48% | 9.73% | 9.62% | 9.89% | +39 bps | |
| Total Risk-Based Capital | 9.50% | 9.48% | 9.73% | 9.62% | 9.89% | +39 bps | |
| Equity / Assets | 9.14% | 9.72% | 9.81% | 9.41% | 9.97% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.82% | 74.47% | 76.37% | 69.73% | 75.53% | +271 bps | |
| Liquid Assets / Assets | 8.82% | 5.83% | 5.14% | 11.95% | 5.73% | -309 bps | |
| CRE / Total Capital | n/a | 138.73% | 137.15% | 138.73% | n/a | n/a | |