Barry, IL · Cert 3762 · FNB Barry Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 0.33% | 1.12% | 1.21% | 1.17% | 0.23% | 1.43% | 1.43% | +22 bps | |
| Return on Equity | 10.60% | 2.97% | 10.31% | 11.09% | 10.55% | 2.11% | 13.15% | 12.82% | +173 bps | |
| Net Interest Margin | 3.71% | 3.79% | 3.76% | 3.99% | 3.90% | 3.89% | 3.97% | 4.16% | +17 bps | |
| Efficiency Ratio | 63.63% | 87.58% | 65.52% | 63.27% | 62.42% | 76.67% | 57.39% | 59.06% | -422 bps | |
| Non-Interest Burden | 2.16% | 3.25% | 2.24% | 2.35% | 2.26% | 2.86% | 2.08% | 2.25% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.61% | 5.51% | 14.48% | 12.31% | 10.71% | 8.22% | 7.28% | 3.90% | -842 bps | |
| Loan Growth (YoY) | 4.77% | 6.35% | 16.29% | 13.21% | 11.83% | 10.15% | 4.56% | 4.15% | -905 bps | |
| Deposit Growth (YoY) | -1.22% | 7.52% | 10.74% | 9.83% | 10.48% | 5.64% | 11.41% | 8.88% | -95 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.03% | 0.06% | 0.02% | 0.10% | 0.14% | 0.11% | +4 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | -0.01% | -0.01% | 0.25% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.05% | 1.05% | 1.04% | 1.03% | 1.04% | 1.06% | 1.10% | 1.09% | +6 bps | |
| Allowance Coverage of NPLs | 31.6x | 35.7x | 38.1x | 16.4x | 47.0x | 10.3x | 7.9x | 10.4x | -6.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.57% | 11.11% | 11.19% | 11.15% | 11.03% | 10.59% | 10.88% | 11.20% | +5 bps | |
| Total Risk-Based Capital | 13.39% | 13.04% | 13.00% | 13.09% | 13.04% | 12.70% | 13.32% | 13.47% | +37 bps | |
| Equity / Assets | 11.30% | 10.77% | 10.88% | 10.98% | 11.12% | 10.84% | 10.98% | 11.35% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.84% | 96.76% | 96.39% | 100.49% | 103.09% | 100.89% | 90.46% | 96.13% | -436 bps | |
| Liquid Assets / Assets | 2.33% | 3.25% | 3.19% | 3.61% | 2.66% | 3.14% | 6.96% | 3.88% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 245% | 247% | 234% | n/a | n/a | |