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 | |