Vandalia, IL · Cert 3840 · First Vandalia Corp.
State charter, Fed member · FED · 7 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
60
Asset Quality
46
Profitability
64
Liquidity
89
Efficiency
65
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.
Vandalia, IL · Cert 3840 · First Vandalia Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #82 of 111 inst. · $0.1B 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 | 0.61% | 0.66% | 0.62% | 0.93% | 0.94% | 0.97% | 1.13% | 1.29% | +36 bps | |
| Return on Equity | 7.21% | 7.83% | 7.15% | 10.77% | 10.64% | 10.81% | 11.51% | 13.05% | +228 bps | |
| Net Interest Margin | 2.50% | 2.52% | 2.90% | 2.96% | 3.06% | 3.06% | 3.34% | 3.43% | +47 bps | |
| Efficiency Ratio | 73.71% | 71.02% | 69.81% | 63.74% | 64.24% | 62.79% | 62.00% | 58.94% | -479 bps | |
| Non-Interest Burden | 1.67% | 1.59% | 1.81% | 1.61% | 1.70% | 1.65% | 1.79% | 1.68% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.03% | -2.82% | -0.86% | 1.49% | 1.53% | 5.26% | 3.71% | 2.64% | +115 bps | |
| Loan Growth (YoY) | 5.52% | 7.31% | 6.39% | 5.86% | 6.84% | 11.97% | 14.20% | 15.48% | +962 bps | |
| Deposit Growth (YoY) | 1.55% | 1.06% | 3.59% | 4.02% | 4.00% | 5.45% | 1.56% | -3.38% | -740 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.27% | 0.13% | 0.07% | 0.10% | 0.22% | 0.09% | 0.78% | +72 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.02% | 0.01% | 0.00% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.17% | 1.14% | 1.14% | 1.14% | 1.14% | 1.14% | +1 bps | |
| Allowance Coverage of NPLs | 6.8x | 4.3x | 8.9x | 16.8x | 11.9x | 5.2x | 13.4x | 1.5x | -15.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.89% | 11.85% | 12.22% | 12.07% | 12.35% | 12.12% | 12.34% | 12.57% | +50 bps | |
| Total Risk-Based Capital | 18.94% | 18.69% | 19.31% | 19.13% | 19.14% | 18.48% | 18.58% | 18.84% | -28 bps | |
| Equity / Assets | 9.11% | 8.42% | 8.79% | 8.59% | 9.55% | 9.71% | 9.95% | 9.99% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.17% | 63.61% | 61.78% | 61.15% | 63.87% | 67.55% | 69.46% | 73.09% | +1,194 bps | |
| Liquid Assets / Assets | 0.72% | 0.30% | 3.21% | 3.47% | 1.41% | 0.71% | 0.31% | 0.52% | -294 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 143.87% | 159.08% | 149.91% | n/a | n/a | |
Vandalia, IL · Cert 3840 · Peer group: banks under $1B in assets in IL (n=149-151) · First Vandalia Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
1.28%
Rank 46 of 151
Net Interest Margin
3.43%
Rank 77 of 151
Efficiency Ratio
58.94%
Rank 54 of 151
Equity / Assets
9.99%
Rank 94 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.70% | 1.03% | 1.34% | Beats 70% | 46 / 151 | ||
| Return on Equity | 12.81% | 6.74% | 9.34% | 12.94% | Beats 74% | 39 / 151 | ||
| Net Interest Margin | 3.43% | 3.02% | 3.43% | 3.83% | Beats 49% | 77 / 151 | ||
| Efficiency Ratio | 58.94% | 54.64% | 64.89% | 72.50% | Beats 65% | 54 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.20% | 0.66% | 1.77% | Beats 47% | 80 / 149 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 44% | 84 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.80% | 11.83% | 14.17% | 18.66% | Beats 70% | 45 / 151 | ||
| Total Risk-Based Capital Ratio | 18.84% | 12.22% | 14.54% | 19.92% | Beats 72% | 42 / 151 | ||
| Equity / Assets | 9.99% | 9.10% | 10.65% | 12.40% | Beats 38% | 94 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.09% | 54.39% | 71.02% | 80.75% | 54th pctl | 68 / 149 | ||
| Loans / Assets | 61.99% | 45.91% | 61.31% | 68.01% | 51st pctl | 74 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||