Okawville, IL · Cert 3826
National charter · OCC · 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 | 0.31% | 0.38% | 0.35% | 0.52% | 0.55% | +24 bps | |
| Return on Equity | 2.93% | 3.61% | 3.26% | 4.95% | 5.13% | +219 bps | |
| Net Interest Margin | 2.85% | 2.83% | 2.76% | 2.85% | 2.93% | +8 bps | |
| Efficiency Ratio | 89.40% | 86.60% | 87.81% | 82.33% | 81.39% | -802 bps | |
| Non-Interest Burden | 2.53% | 2.44% | 2.41% | 2.32% | 2.36% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.53% | -14.46% | 0.56% | 7.30% | 3.29% | +1,482 bps | |
| Loan Growth (YoY) | -12.03% | -12.56% | -8.79% | -1.01% | 0.79% | +1,281 bps | |
| Deposit Growth (YoY) | -6.53% | 3.47% | 4.90% | 7.48% | 3.25% | +978 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.11% | 0.11% | 0.11% | +11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.84% | 0.79% | 0.77% | 0.77% | 0.83% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.8x | 7.0x | 7.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.72% | 12.87% | 12.47% | 11.96% | 12.55% | -17 bps | |
| Total Risk-Based Capital | 21.90% | 21.85% | 12.47% | 11.96% | 12.55% | -935 bps | |
| Equity / Assets | 10.94% | 11.30% | 10.88% | 10.31% | 10.99% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.85% | 39.36% | 38.17% | 35.93% | 35.98% | -88 bps | |
| Liquid Assets / Assets | 32.83% | 32.55% | 29.66% | 26.77% | 27.21% | -562 bps | |
| CRE / Total Capital | n/a | 26.69% | 27.05% | 28.37% | n/a | n/a | |