Bethany, IL · Cert 8491 · Scott Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
53
Profitability
44
Liquidity
79
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bethany, IL · Cert 8491 · Scott Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Decatur, IL · 2026 SOD (annual) · 3.8% share · #8 of 13 inst. · $0.1B of $2.3B
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 | 0.62% | 0.62% | 0.61% | 0.68% | 0.73% | 0.72% | 0.87% | 0.88% | +20 bps | |
| Return on Equity | 6.96% | 6.95% | 6.56% | 7.02% | 7.34% | 6.99% | 7.63% | 7.65% | +63 bps | |
| Net Interest Margin | 2.78% | 2.78% | 3.03% | 3.13% | 3.19% | 3.30% | 3.48% | 3.53% | +40 bps | |
| Efficiency Ratio | 73.98% | 73.82% | 72.63% | 73.47% | 71.13% | 72.14% | 72.21% | 70.82% | -264 bps | |
| Non-Interest Burden | 1.91% | 1.90% | 2.06% | 2.16% | 2.10% | 2.22% | 2.37% | 2.34% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | 1.32% | 2.62% | 3.09% | -1.83% | -6.10% | -2.31% | -3.08% | -617 bps | |
| Loan Growth (YoY) | 6.94% | 13.82% | 12.10% | 11.96% | 5.77% | -1.18% | -2.04% | -1.49% | -1,345 bps | |
| Deposit Growth (YoY) | 0.25% | -3.47% | -0.97% | -0.89% | -0.15% | 0.59% | 1.40% | 0.89% | +177 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.42% | 0.20% | 0.30% | 0.43% | 1.49% | 0.50% | 0.24% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.69% | 0.39% | 0.34% | 0.26% | 0.05% | 0.03% | -36 bps | |
| Allowance / Loans | 1.02% | 1.02% | 0.96% | 0.93% | 0.97% | 1.00% | 1.03% | 1.08% | +15 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.4x | 4.7x | 3.1x | 2.2x | 0.7x | 2.1x | 4.4x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.84% | 12.57% | 12.84% | 13.11% | 13.08% | 13.45% | 13.63% | 13.67% | +55 bps | |
| Total Risk-Based Capital | 12.84% | 12.57% | 12.84% | 13.11% | 13.08% | 13.45% | 13.63% | 13.67% | +55 bps | |
| Equity / Assets | 9.77% | 8.93% | 9.76% | 10.45% | 10.93% | 11.55% | 11.34% | 11.72% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.85% | 69.40% | 66.13% | 67.78% | 65.51% | 68.18% | 63.89% | 66.18% | -160 bps | |
| Liquid Assets / Assets | 2.05% | 1.92% | 2.27% | 1.95% | 2.23% | 1.83% | 5.94% | 2.33% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 133.55% | 129.37% | 121.47% | n/a | n/a | |
Bethany, IL · Cert 8491 · Peer group: banks under $1B in assets in IL (n=149-151) · Scott Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.89%
Rank 94 of 151
Net Interest Margin
3.53%
Rank 61 of 151
Efficiency Ratio
70.82%
Rank 108 of 151
Equity / Assets
11.72%
Rank 49 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.70% | 1.03% | 1.34% | Beats 38% | 94 / 151 | ||
| Return on Equity | 7.57% | 6.74% | 9.34% | 12.94% | Beats 33% | 101 / 151 | ||
| Net Interest Margin | 3.53% | 3.02% | 3.43% | 3.83% | Beats 60% | 61 / 151 | ||
| Efficiency Ratio | 70.82% | 54.64% | 64.89% | 72.50% | Beats 29% | 108 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.20% | 0.66% | 1.77% | Beats 70% | 45 / 149 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.07% | Beats 36% | 96 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.67% | 11.83% | 14.17% | 18.66% | Beats 45% | 83 / 151 | ||
| Total Risk-Based Capital Ratio | 13.67% | 12.22% | 14.54% | 19.92% | Beats 42% | 88 / 151 | ||
| Equity / Assets | 11.72% | 9.10% | 10.65% | 12.40% | Beats 68% | 49 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.18% | 54.39% | 71.02% | 80.75% | 40th pctl | 89 / 149 | ||
| Loans / Assets | 57.87% | 45.91% | 61.31% | 68.01% | 44th pctl | 84 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||