Marion, IL · Cert 57897 · South Porte Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 0.76% | 0.67% | 1.02% | 1.05% | 1.10% | 1.14% | 1.27% | 1.32% | +28 bps | |
| Return on Equity | 7.43% | 6.66% | 10.14% | 10.22% | 10.31% | 10.70% | 11.83% | 12.04% | +182 bps | |
| Net Interest Margin | 2.70% | 2.97% | 3.17% | 3.65% | 3.34% | 3.51% | 3.48% | 3.54% | -11 bps | |
| Efficiency Ratio | 61.06% | 65.66% | 53.95% | 51.03% | 59.34% | 56.94% | 53.66% | 53.56% | +253 bps | |
| Non-Interest Burden | 1.51% | 1.83% | 1.56% | 1.67% | 1.85% | 1.84% | 1.71% | 1.66% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 1.22% | 2.02% | 3.97% | 0.26% | 4.25% | 2.53% | 1.54% | -242 bps | |
| Loan Growth (YoY) | 3.62% | 3.44% | 3.20% | 0.61% | 0.57% | 2.18% | 3.47% | 4.84% | +423 bps | |
| Deposit Growth (YoY) | -0.22% | -1.07% | 3.06% | -0.25% | 2.74% | 3.11% | -2.07% | 0.20% | +45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.66% | 1.46% | 0.90% | 1.95% | 2.03% | 2.35% | 2.18% | 2.59% | +65 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.68% | 0.25% | 0.03% | -1.20% | 0.03% | 0.71% | -0.02% | -5 bps | |
| Allowance / Loans | 1.05% | 0.98% | 1.00% | 1.19% | 1.47% | 1.47% | 1.28% | 1.30% | +12 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 1.1x | 0.6x | 0.7x | 0.6x | 0.6x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.53% | 9.58% | 10.00% | 10.06% | 10.46% | 10.40% | 10.23% | +24 bps | |
| Total Risk-Based Capital | 9.62% | 9.53% | 9.58% | 10.00% | 10.06% | 10.46% | 10.40% | 10.23% | +24 bps | |
| Equity / Assets | 10.26% | 9.93% | 10.15% | 10.34% | 10.93% | 10.46% | 10.98% | 11.00% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.23% | 103.91% | 102.11% | 104.72% | 105.95% | 102.97% | 107.89% | 109.57% | +485 bps | |
| Liquid Assets / Assets | 6.76% | 10.02% | 9.08% | 10.79% | 7.84% | 10.56% | 8.77% | 8.24% | -255 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 289% | 273% | n/a | n/a | |