Carmi, IL · Cert 3777 · Southern Illinois Bcorp Inc.
National charter · OCC · 12 branches
Q2 2026
Market Position · Evansville, IN · 2026 SOD (annual) · 1.3% share · #8 of 15 inst. · $0.2B of $13.6B
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 | 1.24% | 1.08% | 1.09% | 1.09% | 1.24% | 1.32% | 1.14% | 1.23% | +14 bps | |
| Return on Equity | 11.09% | 9.41% | 9.64% | 9.50% | 10.31% | 10.84% | 9.61% | 10.40% | +90 bps | |
| Net Interest Margin | 4.13% | 4.17% | 3.95% | 4.07% | 4.20% | 4.23% | 4.06% | 4.23% | +16 bps | |
| Efficiency Ratio | 59.94% | 63.67% | 65.99% | 61.36% | 63.80% | 61.33% | 65.37% | 63.73% | +237 bps | |
| Non-Interest Burden | 2.28% | 2.47% | 2.44% | 2.21% | 2.50% | 2.37% | 2.47% | 2.51% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | -7.99% | -0.29% | -0.95% | 0.03% | 2.25% | 1.86% | 4.69% | +564 bps | |
| Loan Growth (YoY) | 1.74% | 1.61% | -0.98% | 0.10% | -1.27% | -3.74% | -5.85% | -5.09% | -519 bps | |
| Deposit Growth (YoY) | -2.01% | -6.97% | 0.29% | -1.10% | -0.61% | 1.74% | 1.50% | 4.70% | +581 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.00% | 0.38% | 0.79% | 0.57% | 0.54% | 0.49% | 0.35% | -44 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.11% | 0.01% | 0.91% | 0.00% | -0.07% | -0.23% | -24 bps | |
| Allowance / Loans | 1.30% | 1.33% | 1.42% | 1.42% | 1.21% | 1.25% | 1.35% | 1.37% | -5 bps | |
| Allowance Coverage of NPLs | 5.1x | n/a | 3.7x | 1.8x | 2.1x | 2.3x | 2.7x | 3.9x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.93% | 10.80% | 11.00% | 11.33% | 11.33% | 11.29% | 11.42% | +42 bps | |
| Total Risk-Based Capital | 14.33% | 14.35% | 15.22% | 15.02% | 15.34% | 15.83% | 17.00% | 11.42% | -360 bps | |
| Equity / Assets | 11.51% | 11.51% | 11.11% | 11.78% | 12.18% | 12.13% | 11.65% | 11.98% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.98% | 88.70% | 80.51% | 86.64% | 86.40% | 83.92% | 74.69% | 78.54% | -810 bps | |
| Liquid Assets / Assets | 6.80% | 5.85% | 13.77% | 6.79% | 6.77% | 9.72% | 17.80% | 12.20% | +541 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 303% | 292% | 278% | n/a | n/a | |