Litchfield, IL · Cert 3807 · First Montgomery Bcorp Inc.
National charter · OCC · 2 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 | 0.80% | 0.85% | 0.92% | 1.02% | 0.88% | 1.11% | 1.02% | 1.15% | +13 bps | |
| Return on Equity | 7.22% | 7.59% | 8.63% | 9.71% | 8.07% | 9.88% | 9.45% | 10.85% | +114 bps | |
| Net Interest Margin | 3.17% | 3.30% | 3.43% | 3.47% | 3.51% | 3.53% | 3.50% | 3.56% | +10 bps | |
| Efficiency Ratio | 70.68% | 69.25% | 67.23% | 64.03% | 64.58% | 62.28% | 63.88% | 60.37% | -365 bps | |
| Non-Interest Burden | 2.13% | 2.18% | 2.22% | 2.14% | 2.17% | 2.05% | 2.17% | 2.06% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.79% | -4.01% | 5.93% | 9.72% | 8.44% | 12.04% | 8.71% | 7.54% | -218 bps | |
| Loan Growth (YoY) | 4.63% | 4.39% | 10.84% | 10.10% | 8.26% | 11.73% | 6.07% | 7.07% | -302 bps | |
| Deposit Growth (YoY) | -10.46% | -5.01% | 6.30% | 13.79% | 12.82% | 14.34% | 8.65% | 7.39% | -641 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.08% | 0.07% | 0.14% | 0.18% | 0.16% | 0.15% | 0.13% | -1 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.16% | 0.01% | 0.00% | 0.02% | 0.13% | -0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 1.40% | 1.30% | 1.25% | 1.29% | 1.30% | 1.19% | 1.22% | 1.24% | -5 bps | |
| Allowance Coverage of NPLs | 12.7x | 15.8x | 17.1x | 9.4x | 7.2x | 7.6x | 7.9x | 9.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.56% | 12.73% | 12.30% | 11.80% | 12.13% | 12.04% | 11.59% | 11.50% | -31 bps | |
| Total Risk-Based Capital | 17.19% | 16.70% | 16.34% | 16.50% | 16.76% | 15.83% | 16.33% | 16.32% | -18 bps | |
| Equity / Assets | 11.42% | 10.96% | 10.32% | 10.60% | 11.25% | 11.14% | 10.44% | 10.77% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.84% | 93.87% | 86.99% | 85.75% | 88.13% | 91.73% | 84.92% | 85.50% | -25 bps | |
| Liquid Assets / Assets | 0.35% | 0.74% | 4.12% | 5.33% | 2.33% | 0.75% | 6.32% | 5.53% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 76.71% | 76.87% | 80.65% | n/a | n/a | |