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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.62% | 0.61% | 0.75% | 0.84% | 0.67% | 0.87% | 0.89% | +13 bps | |
| Return on Equity | 8.48% | 6.59% | 6.56% | 7.45% | 7.88% | 5.93% | 7.63% | 7.69% | +23 bps | |
| Net Interest Margin | 2.91% | 3.04% | 3.03% | 3.20% | 3.28% | 3.44% | 3.48% | 3.58% | +37 bps | |
| Efficiency Ratio | 70.47% | 73.39% | 72.63% | 74.28% | 66.78% | 75.01% | 72.21% | 69.50% | -478 bps | |
| Non-Interest Burden | 1.87% | 2.05% | 2.06% | 2.24% | 1.97% | 2.43% | 2.37% | 2.31% | +7 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% | 0.10% | 0.22% | 0.03% | 0.05% | 0.01% | -9 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 | |