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 | |