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 (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 | -0.03% | 0.07% | -0.19% | 0.25% | -0.22% | 0.45% | -0.04% | 0.51% | +26 bps | |
| Return on Equity | -0.45% | 1.01% | -2.84% | 3.82% | -3.32% | 6.35% | -0.54% | 7.17% | +336 bps | |
| Net Interest Margin | 3.35% | 3.41% | 3.60% | 3.58% | 3.41% | 3.79% | 3.47% | 3.69% | +11 bps | |
| Efficiency Ratio | 99.62% | 96.85% | 99.14% | 92.33% | 103.94% | 88.43% | 99.57% | 84.87% | -746 bps | |
| Non-Interest Burden | 3.31% | 3.25% | 3.53% | 3.19% | 3.57% | 3.15% | 3.43% | 2.93% | -26 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 | 0.00% | 0.00% | 0.00% | 0.23% | 0.00% | 0.00% | 0.00% | 0.01% | -22 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 | |