Alton, MO · Cert 8276
State charter, non-member · FDIC · 2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.46% | 0.52% | 0.85% | 0.78% | +34 bps | |
| Return on Equity | 6.38% | 6.51% | 7.32% | 11.18% | 10.39% | +401 bps | |
| Net Interest Margin | 2.59% | 2.66% | 2.66% | 3.09% | 3.00% | +40 bps | |
| Efficiency Ratio | 81.48% | 81.08% | 78.96% | 70.12% | 71.08% | -1,039 bps | |
| Non-Interest Burden | 2.03% | 2.07% | 2.01% | 2.02% | 1.99% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.96% | 4.82% | 3.23% | 3.04% | 13.80% | +685 bps | |
| Loan Growth (YoY) | 16.34% | 6.19% | 8.15% | 20.09% | 17.77% | +143 bps | |
| Deposit Growth (YoY) | 6.77% | 4.55% | 2.32% | 2.24% | 14.51% | +773 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.45% | 0.77% | 0.29% | 0.52% | -10 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.05% | 0.15% | 0.06% | 0.02% | -6 bps | |
| Allowance / Loans | 0.86% | 0.84% | 0.71% | 0.64% | 0.68% | -18 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.9x | 0.9x | 2.2x | 1.3x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.98% | 8.19% | 8.21% | 8.16% | 7.96% | -2 bps | |
| Total Risk-Based Capital | 11.43% | 11.41% | 11.05% | 10.49% | 10.26% | -117 bps | |
| Equity / Assets | 7.33% | 7.58% | 7.60% | 7.53% | 7.41% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.25% | 63.20% | 63.98% | 66.67% | 64.02% | +177 bps | |
| Liquid Assets / Assets | 29.88% | 29.05% | 27.60% | 24.10% | 23.05% | -683 bps | |
| CRE / Total Capital | n/a | 95.24% | 91.02% | 86.19% | n/a | n/a | |