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 (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 | 0.30% | 0.63% | 0.54% | 0.67% | 0.66% | 0.50% | 0.89% | 1.03% | +36 bps | |
| Return on Equity | 3.39% | 7.19% | 6.14% | 7.51% | 7.21% | 5.31% | 9.44% | 10.70% | +319 bps | |
| Net Interest Margin | 2.41% | 2.50% | 2.64% | 2.85% | 2.97% | 3.10% | 3.08% | 3.26% | +41 bps | |
| Efficiency Ratio | 83.17% | 66.73% | 73.67% | 70.41% | 72.47% | 78.65% | 63.99% | 61.60% | -881 bps | |
| Non-Interest Burden | 1.95% | 1.54% | 1.84% | 1.87% | 2.02% | 2.34% | 1.79% | 1.80% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -0.89% | -0.38% | 0.97% | 0.32% | -0.14% | 2.01% | 0.25% | -72 bps | |
| Loan Growth (YoY) | 0.26% | -1.76% | 0.62% | -1.09% | 1.31% | 3.81% | 0.66% | 3.19% | +428 bps | |
| Deposit Growth (YoY) | 0.30% | -0.47% | -0.83% | 1.27% | -0.78% | -1.38% | 3.07% | 0.69% | -58 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 1.34% | 1.54% | 1.48% | 1.35% | 1.40% | 1.33% | 1.33% | -16 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.05% | 0.01% | 0.08% | 0.07% | 0.02% | 0.06% | 0.00% | -8 bps | |
| Allowance / Loans | 1.38% | 1.50% | 1.51% | 1.54% | 1.52% | 1.54% | 1.56% | 1.56% | +1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.0x | 1.0x | 1.1x | 1.1x | 1.2x | 1.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 8.46% | 8.64% | 8.75% | 8.91% | 8.93% | 9.03% | 9.21% | +46 bps | |
| Total Risk-Based Capital | 14.02% | 13.79% | 13.58% | 13.81% | 14.29% | 13.67% | 13.81% | 14.13% | +31 bps | |
| Equity / Assets | 9.00% | 8.65% | 8.84% | 9.01% | 9.39% | 9.50% | 9.36% | 9.87% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.61% | 67.50% | 69.85% | 68.64% | 71.07% | 71.05% | 68.21% | 70.35% | +170 bps | |
| Liquid Assets / Assets | 20.58% | 21.73% | 21.81% | 20.45% | 19.47% | 19.15% | 21.13% | 18.81% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 311% | 308% | 307% | n/a | n/a | |