Sandoval, IL · Cert 3834 · First Sandoval Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
29
Profitability
19
Liquidity
2
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sandoval, IL · Cert 3834 · First Sandoval Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #104 of 111 inst. · $0.0B of $141.7B
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 | 0.54% | 0.29% | 0.14% | 0.13% | 0.29% | 0.23% | 0.07% | 0.03% | -10 bps | |
| Return on Equity | 6.67% | 3.64% | 2.00% | 1.88% | 4.18% | 3.30% | 1.03% | 0.40% | -148 bps | |
| Net Interest Margin | 3.28% | 3.16% | 3.19% | 3.25% | 3.32% | 3.36% | 3.47% | 3.43% | +19 bps | |
| Efficiency Ratio | 78.48% | 87.53% | 92.48% | 79.00% | 79.48% | 82.78% | 95.99% | 98.18% | +1,918 bps | |
| Non-Interest Burden | 2.47% | 2.71% | 2.91% | 2.35% | 2.46% | 2.68% | 3.34% | 3.38% | +103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.76% | 13.94% | 16.42% | 19.49% | 15.36% | 13.25% | 8.18% | 5.25% | -1,424 bps | |
| Loan Growth (YoY) | 11.90% | 21.72% | 23.15% | 26.21% | 22.31% | 11.89% | 7.18% | 3.01% | -2,320 bps | |
| Deposit Growth (YoY) | 15.67% | 17.13% | 21.11% | 24.80% | 21.63% | 20.07% | 13.21% | 7.69% | -1,711 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 1.26% | 1.17% | 1.68% | 0.84% | 0.91% | 0.73% | 1.91% | +23 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.17% | 0.16% | 0.71% | 0.44% | 0.34% | 0.02% | 0.04% | -67 bps | |
| Allowance / Loans | 1.20% | 1.13% | 1.08% | 1.09% | 1.11% | 1.14% | 1.16% | 1.12% | +3 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 0.6x | 1.3x | 1.3x | 1.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.16% | 8.67% | 8.21% | 7.89% | 7.93% | 7.88% | 8.09% | 8.06% | +16 bps | |
| Total Risk-Based Capital | 13.95% | 13.03% | 12.43% | 12.05% | 12.19% | 12.26% | 12.74% | 12.63% | +57 bps | |
| Equity / Assets | 7.96% | 7.17% | 6.94% | 6.59% | 6.96% | 6.94% | 7.23% | 7.11% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.48% | 93.45% | 91.27% | 93.18% | 90.98% | 87.08% | 86.41% | 89.14% | -404 bps | |
| Liquid Assets / Assets | 0.52% | 0.42% | 0.76% | 0.67% | 1.10% | 4.64% | 6.27% | 4.08% | +341 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 249% | 256% | 239% | n/a | n/a | |
Sandoval, IL · Cert 3834 · Peer group: banks under $1B in assets in IL (n=149-151) · First Sandoval Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets
0.03%
Rank 146 of 151
Net Interest Margin
3.43%
Rank 76 of 151
Efficiency Ratio
98.18%
Rank 147 of 151
Equity / Assets
7.11%
Rank 143 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.03% | 0.70% | 1.03% | 1.34% | Beats 3% | 146 / 151 | ||
| Return on Equity | 0.40% | 6.74% | 9.34% | 12.94% | Beats 3% | 146 / 151 | ||
| Net Interest Margin | 3.43% | 3.02% | 3.43% | 3.83% | Beats 50% | 76 / 151 | ||
| Efficiency Ratio | 98.18% | 54.64% | 64.89% | 72.50% | Beats 3% | 147 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.91% | 0.20% | 0.66% | 1.77% | Beats 23% | 116 / 149 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.07% | Beats 34% | 99 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.38% | 11.83% | 14.17% | 18.66% | Beats 18% | 124 / 151 | ||
| Total Risk-Based Capital Ratio | 12.63% | 12.22% | 14.54% | 19.92% | Beats 32% | 103 / 151 | ||
| Equity / Assets | 7.11% | 9.10% | 10.65% | 12.40% | Beats 5% | 143 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.14% | 54.39% | 71.02% | 80.75% | 89th pctl | 17 / 149 | ||
| Loans / Assets | 78.88% | 45.91% | 61.31% | 68.01% | 95th pctl | 8 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||