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 (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 | 0.29% | -0.58% | 0.14% | 0.12% | 0.59% | -0.01% | 0.07% | -0.03% | -14 bps | |
| Return on Equity | 3.61% | -7.71% | 2.00% | 1.75% | 8.70% | -0.19% | 1.03% | -0.37% | -212 bps | |
| Net Interest Margin | 3.41% | 3.23% | 3.19% | 3.45% | 3.57% | 3.53% | 3.47% | 3.43% | -2 bps | |
| Efficiency Ratio | 85.61% | 113.92% | 92.48% | 69.73% | 80.46% | 95.83% | 95.99% | 100.43% | +3,071 bps | |
| Non-Interest Burden | 2.85% | 3.74% | 2.91% | 1.91% | 2.76% | 3.40% | 3.34% | 3.44% | +153 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 | 0.49% | -0.06% | 0.16% | 1.27% | -0.08% | 0.02% | 0.02% | 0.06% | -121 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 | |