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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.21% | 0.39% | 0.31% | 0.38% | 0.35% | 0.52% | 0.55% | +24 bps | |
| Return on Equity | 3.06% | 2.32% | 3.87% | 2.93% | 3.61% | 3.26% | 4.95% | 5.13% | +219 bps | |
| Net Interest Margin | 2.39% | 2.48% | 2.83% | 2.85% | 2.83% | 2.76% | 2.85% | 2.93% | +8 bps | |
| Efficiency Ratio | 88.82% | 91.30% | 86.36% | 89.40% | 86.60% | 87.81% | 82.33% | 81.39% | -802 bps | |
| Non-Interest Burden | 2.11% | 2.26% | 2.42% | 2.53% | 2.44% | 2.41% | 2.32% | 2.36% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.27% | -12.89% | -11.47% | -11.53% | -14.46% | 0.56% | 7.30% | 3.29% | +1,482 bps | |
| Loan Growth (YoY) | 15.57% | 8.12% | -0.24% | -12.03% | -12.56% | -8.79% | -1.01% | 0.79% | +1,281 bps | |
| Deposit Growth (YoY) | -9.87% | -12.59% | -6.50% | -6.53% | 3.47% | 4.90% | 7.48% | 3.25% | +978 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.11% | 0.11% | +11 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.69% | 0.70% | 0.76% | 0.84% | 0.79% | 0.77% | 0.77% | 0.83% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 6.8x | 7.0x | 7.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.16% | 11.76% | 12.56% | 12.72% | 12.87% | 12.47% | 11.96% | 12.55% | -17 bps | |
| Total Risk-Based Capital | 18.61% | 18.79% | 20.54% | 21.90% | 21.85% | 12.47% | 11.96% | 12.55% | -935 bps | |
| Equity / Assets | 9.45% | 9.97% | 10.45% | 10.94% | 11.30% | 10.88% | 10.31% | 10.99% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.57% | 43.90% | 39.01% | 36.85% | 39.36% | 38.17% | 35.93% | 35.98% | -88 bps | |
| Liquid Assets / Assets | 31.30% | 33.57% | 32.90% | 32.83% | 32.55% | 29.66% | 26.77% | 27.21% | -562 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 26.69% | 27.05% | 28.37% | n/a | n/a | |