Belleville, IL · Cert 58114 · Belleville Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.3% share · #48 of 111 inst. · $0.4B of $141.7B
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 | 0.41% | 0.53% | 0.63% | 0.49% | 0.59% | 0.67% | 0.86% | 1.00% | +51 bps | |
| Return on Equity | 6.26% | 8.06% | 9.33% | 7.32% | 8.97% | 10.01% | 12.18% | 14.02% | +670 bps | |
| Net Interest Margin | 2.24% | 2.32% | 2.63% | 2.59% | 2.59% | 2.63% | 2.95% | 2.99% | +40 bps | |
| Efficiency Ratio | 78.77% | 76.31% | 71.09% | 70.73% | 68.61% | 67.04% | 63.63% | 62.90% | -783 bps | |
| Non-Interest Burden | 1.72% | 1.73% | 1.82% | 1.77% | 1.72% | 1.69% | 1.80% | 1.80% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.12% | 6.37% | 2.26% | 6.26% | 9.87% | 14.06% | 15.58% | 11.90% | +564 bps | |
| Loan Growth (YoY) | 3.62% | 5.13% | 2.23% | 5.85% | 7.16% | 5.58% | 7.31% | 6.48% | +63 bps | |
| Deposit Growth (YoY) | 12.26% | 12.93% | 9.36% | 7.56% | 10.67% | 9.20% | 9.18% | -1.27% | -883 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 1.58% | 1.55% | 1.66% | 1.77% | 2.02% | +43 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 0.83% | 0.85% | 0.95% | 0.95% | 0.94% | 0.96% | 0.96% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 78.2x | 0.6x | 0.6x | 0.6x | 0.5x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.78% | 8.10% | 8.07% | 8.09% | 7.87% | 8.07% | 8.13% | 8.37% | +28 bps | |
| Total Risk-Based Capital | 11.46% | 11.50% | 11.53% | 11.52% | 11.33% | 11.95% | 12.12% | 12.13% | +61 bps | |
| Equity / Assets | 6.63% | 6.65% | 6.79% | 6.44% | 6.58% | 6.97% | 7.15% | 7.18% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.46% | 88.06% | 86.07% | 88.28% | 85.66% | 85.15% | 84.59% | 95.21% | +693 bps | |
| Liquid Assets / Assets | 6.55% | 3.74% | 3.65% | 4.59% | 5.13% | 7.69% | 8.07% | 8.01% | +342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 461% | 443% | 424% | n/a | n/a | |