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 | |