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Litchfield National Bank, The

Litchfield, IL · Cert 3808 · Litchfield Bancshares Co.

National charter · OCC · 2 branches

Q2 2026

$135.7MAssets
$82.7MLoans
$120.6MDeposits
$11.0MEquity
Loan mix
87%RE $65.9M4%C&I $3.1M8%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $89.4M26%Noninterest $31.2MQ2 2025Q2 2026

NIM

4.04%Q2 ’244.30%Q2 ’254.43%Q2 ’26+12%+15%

Non-interest income vs. expense

2.37%Q2 ’242.52%Q2 ’252.61%Q2 ’26-10%+32%

Executive Summary

  • Earnings: ROA of 0.63%, down 22 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.84% of loans (-13 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 8.94%, up 18 bps from a year ago.
  • Funding: loans stand at 68.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.63%-22 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+38 bps YoY

Efficiency Ratio (quarter, annualized)

75.97%+396 bps YoY

Tier 1 Leverage Ratio

8.94%+18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.78%0.45%0.85%0.63%-22 bps
Return on Equity12.13%10.71%5.94%11.19%8.02%-411 bps
Net Interest Margin2.64%2.84%2.83%2.90%3.03%+38 bps
Efficiency Ratio72.02%70.60%77.21%67.91%75.97%+396 bps
Non-Interest Burden1.66%1.89%2.09%1.73%2.20%+54 bps
Growth
Asset Growth (YoY)7.41%6.83%6.50%8.77%-1.45%-887 bps
Loan Growth (YoY)9.03%4.41%4.18%2.64%-0.09%-912 bps
Deposit Growth (YoY)4.67%5.98%4.81%7.70%1.22%-345 bps
Asset Quality
Nonperforming Loans / Loans0.96%0.79%0.95%0.88%0.84%-13 bps
Net Charge-Offs / Loans0.16%-0.09%0.05%-0.02%-0.05%-21 bps
Allowance / Loans0.97%0.99%0.98%1.01%1.05%+8 bps
Allowance Coverage of NPLs1.0x1.3x1.0x1.1x1.3x+0.2x
Capital
Tier 1 Leverage Ratio8.77%8.76%8.75%8.81%8.94%+18 bps
Total Risk-Based Capital16.07%16.46%16.72%16.85%17.24%+117 bps
Equity / Assets7.01%7.62%7.63%7.62%8.07%+106 bps
Liquidity & Funding
Loans / Deposits69.49%69.96%68.94%67.17%68.59%-90 bps
Liquid Assets / Assets7.47%6.49%7.78%8.80%3.66%-382 bps
CRE / Total Capitaln/a119.18%114.31%111.37%n/an/a