Ava, IL · Cert 3761 · Headquarters Holding Co.
National charter · OCC · 1 branch
Q2 2026
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 | 0.88% | 0.94% | 0.95% | 1.04% | 1.05% | +17 bps | |
| Return on Equity | 9.20% | 9.32% | 9.27% | 9.49% | 9.59% | +40 bps | |
| Net Interest Margin | 3.56% | 3.66% | 3.72% | 3.83% | 3.88% | +32 bps | |
| Efficiency Ratio | 71.85% | 70.38% | 72.18% | 68.16% | 67.82% | -402 bps | |
| Non-Interest Burden | 2.51% | 2.53% | 2.65% | 2.56% | 2.58% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.92% | 3.55% | 2.78% | 0.53% | 1.46% | -546 bps | |
| Loan Growth (YoY) | 14.20% | 17.22% | 17.37% | 15.95% | 20.85% | +665 bps | |
| Deposit Growth (YoY) | 6.52% | 2.01% | 1.06% | -1.03% | -0.01% | -653 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.29% | 0.31% | 0.29% | 0.07% | -22 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 2.08% | 1.90% | 1.79% | 1.82% | 1.73% | -36 bps | |
| Allowance Coverage of NPLs | 7.3x | 6.5x | 5.8x | 6.4x | 25.9x | +18.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.32% | 12.45% | 12.61% | 12.53% | 12.76% | +44 bps | |
| Total Risk-Based Capital | 22.34% | 20.81% | 20.79% | 20.94% | 20.61% | -173 bps | |
| Equity / Assets | 9.66% | 11.56% | 11.02% | 10.91% | 10.91% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.49% | 60.63% | 63.60% | 60.86% | 64.65% | +1,116 bps | |
| Liquid Assets / Assets | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | +1 bps | |
| CRE / Total Capital | n/a | 68.59% | 77.68% | 82.73% | n/a | n/a | |