Marion, IL · Cert 57897 · South Porte Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 0.80% | 0.76% | 1.02% | 1.03% | 1.05% | 1.07% | 1.27% | 1.29% | +26 bps | |
| Return on Equity | 8.02% | 7.68% | 10.14% | 10.18% | 10.21% | 10.33% | 11.83% | 11.97% | +179 bps | |
| Net Interest Margin | 2.82% | 2.81% | 3.17% | 3.44% | 3.37% | 3.45% | 3.48% | 3.50% | +6 bps | |
| Efficiency Ratio | 64.64% | 64.91% | 53.95% | 52.40% | 54.68% | 55.25% | 53.66% | 53.61% | +121 bps | |
| Non-Interest Burden | 1.69% | 1.70% | 1.56% | 1.63% | 1.69% | 1.74% | 1.71% | 1.68% | +5 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 | 0.05% | 0.21% | 0.25% | 0.15% | -0.31% | -0.22% | 0.71% | 0.35% | +20 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 | |