Waterloo, IL · Cert 3842 · First Waterloo Bancshares Inc.
National charter · OCC · 16 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.5% share · #36 of 111 inst. · $0.7B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.62% | 0.59% | 0.89% | 0.96% | +36 bps | |
| Return on Equity | 6.84% | 6.95% | 6.53% | 9.44% | 10.05% | +322 bps | |
| Net Interest Margin | 2.75% | 2.82% | 2.88% | 3.08% | 3.15% | +41 bps | |
| Efficiency Ratio | 71.97% | 72.15% | 73.88% | 63.99% | 62.75% | -922 bps | |
| Non-Interest Burden | 1.86% | 1.91% | 2.01% | 1.79% | 1.79% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.97% | 0.32% | -0.14% | 2.01% | 0.25% | -72 bps | |
| Loan Growth (YoY) | -1.09% | 1.31% | 3.81% | 0.66% | 3.19% | +428 bps | |
| Deposit Growth (YoY) | 1.27% | -0.78% | -1.38% | 3.07% | 0.69% | -58 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.48% | 1.35% | 1.40% | 1.33% | 1.33% | -16 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.04% | 0.06% | 0.03% | -1 bps | |
| Allowance / Loans | 1.54% | 1.52% | 1.54% | 1.56% | 1.56% | +1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.2x | 1.2x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.75% | 8.91% | 8.93% | 9.03% | 9.21% | +46 bps | |
| Total Risk-Based Capital | 13.81% | 14.29% | 13.67% | 13.81% | 14.13% | +31 bps | |
| Equity / Assets | 9.01% | 9.39% | 9.50% | 9.36% | 9.87% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.64% | 71.07% | 71.05% | 68.21% | 70.35% | +170 bps | |
| Liquid Assets / Assets | 20.45% | 19.47% | 19.15% | 21.13% | 18.81% | -164 bps | |
| CRE / Total Capital | n/a | 311% | 308% | 307% | n/a | n/a | |