PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Paris Hi-Way

Paris, IL · Charter 64242

NCUA · 2 branches

Q2 2026

$11.3MAssets
$5.8MLoans
$9.5MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 2.04%, down 21 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.79%, down 39 bps from a year ago.
  • Funding: loans stand at 61.71% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.04%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-21 bps YoY

Efficiency Ratio (YTD, annualized)

43.72%+182 bps YoY

Net Worth / Assets

15.79%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%0.27%2.06%2.25%2.29%0.34%2.13%2.04%-21 bps
Return on Equity11.26%1.76%13.03%13.93%13.58%2.21%13.52%12.95%-99 bps
Net Interest Margin3.48%2.02%3.75%3.79%3.84%1.89%3.65%3.57%-21 bps
Efficiency Ratio47.43%86.89%46.75%41.90%41.68%82.65%42.69%43.72%+182 bps
Growth
Asset Growth (YoY)-0.65%1.41%3.68%5.27%1.83%2.62%2.68%4.22%-106 bps
Loan Growth (YoY)-4.00%-3.47%-4.57%-0.83%-0.27%-5.39%-6.28%-9.69%-887 bps
Share Growth (YoY)-1.21%1.01%3.85%5.64%1.36%2.68%2.74%4.69%-95 bps
Asset Quality
Delinquent Loans / Loans0.00%0.65%0.05%0.00%0.03%0.07%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.53%15.51%15.82%16.18%16.84%15.46%15.77%15.79%-39 bps
Net Worth / Assets16.53%15.51%15.82%16.18%16.84%15.46%15.77%15.79%-39 bps
Liquidity & Funding
Loans / Shares72.36%71.54%69.81%71.54%71.20%65.91%63.68%61.71%-983 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps