Savanna, IL · Cert 5753 · Savanna-Thomson Investment Inc.
State charter, non-member · FDIC · 6 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 operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
58
Profitability
15
Liquidity
75
Efficiency
5
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.
Savanna, IL · Cert 5753 · Savanna-Thomson Investment Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.1% share · #50 of 57 inst. · $0.0B of $38.0B
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 | -0.10% | -0.05% | -0.19% | 0.06% | -0.03% | 0.10% | -0.04% | 0.22% | +17 bps | |
| Return on Equity | -1.48% | -0.79% | -2.84% | 0.84% | -0.46% | 1.45% | -0.54% | 3.10% | +227 bps | |
| Net Interest Margin | 3.20% | 3.22% | 3.60% | 3.50% | 3.36% | 3.45% | 3.47% | 3.53% | +3 bps | |
| Efficiency Ratio | 101.13% | 100.09% | 99.14% | 95.61% | 98.39% | 95.54% | 99.57% | 92.03% | -359 bps | |
| Non-Interest Burden | 3.24% | 3.21% | 3.53% | 3.28% | 3.27% | 3.23% | 3.43% | 3.13% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | -0.55% | 4.85% | 11.66% | 9.02% | 14.18% | 8.58% | 0.25% | -1,141 bps | |
| Loan Growth (YoY) | 4.00% | 6.86% | 11.34% | 21.65% | 26.49% | 29.97% | 22.53% | 13.04% | -861 bps | |
| Deposit Growth (YoY) | 21.77% | 20.70% | 19.97% | 20.61% | 14.62% | 10.60% | 8.19% | 2.80% | -1,781 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 0.89% | 0.58% | 0.34% | 0.83% | 0.78% | 0.73% | 0.78% | +45 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.00% | 0.12% | 0.07% | 0.05% | 0.00% | 0.00% | -11 bps | |
| Allowance / Loans | 0.92% | 0.88% | 0.83% | 0.69% | 0.67% | 0.63% | 0.64% | 0.64% | -5 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.0x | 1.4x | 2.1x | 0.8x | 0.8x | 0.9x | 0.8x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.92% | 8.82% | 8.72% | 8.38% | 7.91% | 8.01% | 8.03% | 7.97% | -41 bps | |
| Total Risk-Based Capital | 14.27% | 14.32% | 13.75% | 12.45% | 12.24% | 11.80% | 11.75% | 11.78% | -68 bps | |
| Equity / Assets | 7.38% | 6.81% | 6.63% | 6.36% | 6.84% | 7.20% | 6.92% | 7.28% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.57% | 74.24% | 76.45% | 80.94% | 78.97% | 87.24% | 86.59% | 89.00% | +806 bps | |
| Liquid Assets / Assets | 3.08% | 3.20% | 2.89% | 2.56% | 2.27% | 2.16% | 2.13% | 2.16% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 336% | 386% | 400% | n/a | n/a | |
Savanna, IL · Cert 5753 · Peer group: banks under $1B in assets operating regionally (n=94) · Savanna-Thomson Investment Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.22%
Rank 89 of 94
Net Interest Margin
3.53%
Rank 67 of 94
Efficiency Ratio
92.96%
Rank 90 of 94
Equity / Assets
7.28%
Rank 87 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.82% | 1.19% | 1.46% | Beats 5% | 89 / 94 | ||
| Return on Equity | 3.04% | 7.85% | 11.84% | 14.03% | Beats 11% | 84 / 94 | ||
| Net Interest Margin | 3.53% | 3.42% | 3.81% | 4.18% | Beats 29% | 67 / 94 | ||
| Efficiency Ratio | 92.96% | 55.99% | 62.41% | 73.02% | Beats 5% | 90 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.19% | 0.47% | 1.14% | Beats 35% | 62 / 94 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 81% | 19 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.02% | 10.28% | 11.95% | 15.07% | Beats 35% | 61 / 94 | ||
| Total Risk-Based Capital Ratio | 11.78% | 10.31% | 12.59% | 15.88% | Beats 45% | 52 / 94 | ||
| Equity / Assets | 7.28% | 8.98% | 10.21% | 11.41% | Beats 7% | 87 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.00% | 72.62% | 84.44% | 94.55% | 66th pctl | 32 / 94 | ||
| Loans / Assets | 74.17% | 62.50% | 72.84% | 78.99% | 59th pctl | 39 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||