Stillman Valley, IL · Cert 9263 · Stillman Banccorp Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Rockford, IL · 2026 SOD (annual) · 3.0% share · #11 of 21 inst. · $0.3B of $9.0B
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 | 0.22% | 0.26% | 0.29% | 0.40% | 0.45% | 0.47% | 0.62% | 0.63% | +23 bps | |
| Return on Equity | 3.65% | 4.32% | 4.43% | 6.06% | 6.48% | 6.52% | 7.98% | 8.11% | +205 bps | |
| Net Interest Margin | 1.90% | 1.93% | 2.08% | 2.22% | 2.28% | 2.32% | 2.59% | 2.61% | +39 bps | |
| Efficiency Ratio | 89.14% | 87.55% | 86.55% | 80.49% | 79.50% | 79.44% | 77.48% | 75.67% | -482 bps | |
| Non-Interest Burden | 1.60% | 1.58% | 1.70% | 1.62% | 1.63% | 1.67% | 1.81% | 1.77% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.16% | 2.70% | 5.34% | 4.29% | 3.02% | 4.96% | 4.33% | 5.29% | +101 bps | |
| Loan Growth (YoY) | 14.40% | 14.28% | 16.13% | 20.73% | 16.02% | 22.19% | 18.25% | 18.05% | -268 bps | |
| Deposit Growth (YoY) | 2.94% | 2.27% | 3.87% | 3.34% | 2.99% | 2.94% | 2.97% | 4.40% | +106 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.52% | 0.60% | 0.61% | 0.65% | +65 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.03% | -0.02% | -0.03% | -0.03% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 0.90% | 0.88% | 0.91% | 0.93% | 0.94% | 0.95% | 0.97% | 0.95% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.8x | 1.6x | 1.6x | 1.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.81% | 9.79% | 9.37% | 9.39% | 9.49% | 9.48% | 9.27% | 9.20% | -19 bps | |
| Total Risk-Based Capital | 22.47% | 22.13% | 22.21% | 21.06% | 20.85% | 19.42% | 19.70% | 19.22% | -183 bps | |
| Equity / Assets | 7.02% | 6.27% | 6.71% | 6.89% | 7.84% | 7.93% | 7.66% | 7.70% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.69% | 43.62% | 42.99% | 46.96% | 49.21% | 51.78% | 49.37% | 53.10% | +614 bps | |
| Liquid Assets / Assets | 3.36% | 5.07% | 8.74% | 8.13% | 6.95% | 6.45% | 8.80% | 7.04% | -109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 194.24% | 227% | 221% | n/a | n/a | |