Kinmundy, IL · Cert 3805 · South Central Bcorp Inc.
State charter, Fed member · FED · 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 | 2.43% | 2.58% | 2.46% | 2.11% | 2.14% | -30 bps | |
| Return on Equity | 17.83% | 18.69% | 17.80% | 15.16% | 15.45% | -238 bps | |
| Net Interest Margin | 4.40% | 4.30% | 4.28% | 4.23% | 4.25% | -15 bps | |
| Efficiency Ratio | 37.81% | 34.28% | 36.27% | 36.72% | 37.41% | -40 bps | |
| Non-Interest Burden | 1.28% | 0.92% | 1.08% | 1.26% | 1.29% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.21% | 8.32% | 11.54% | 9.88% | 16.32% | +1,111 bps | |
| Loan Growth (YoY) | 5.42% | 8.08% | 7.54% | 6.95% | 7.68% | +225 bps | |
| Deposit Growth (YoY) | 4.33% | 7.57% | 12.95% | 9.33% | 16.91% | +1,258 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.42% | 0.69% | 0.65% | 0.67% | -4 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.15% | 0.09% | 0.14% | 0.06% | 0 bps | |
| Allowance / Loans | 0.85% | 0.80% | 0.81% | 0.82% | 0.79% | -6 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.9x | 1.2x | 1.3x | 1.2x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.00% | 13.24% | 12.83% | 12.93% | 13.04% | +4 bps | |
| Total Risk-Based Capital | 21.34% | 21.70% | 22.03% | 22.81% | 22.36% | +103 bps | |
| Equity / Assets | 14.07% | 14.17% | 13.92% | 13.92% | 13.64% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.04% | 78.60% | 77.90% | 74.53% | 73.72% | -632 bps | |
| Liquid Assets / Assets | 1.69% | 1.61% | 1.58% | 1.53% | 1.46% | -23 bps | |
| CRE / Total Capital | n/a | 52.75% | 48.20% | 48.34% | n/a | n/a | |