Warsaw, IL · Cert 9274
FDIC · 1 branch
Q3 2025
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.50% | 1.41% | 1.69% | 1.66% | 1.71% | +21 bps | |
| Return on Equity | 10.62% | 9.84% | 11.04% | 10.62% | 10.94% | +32 bps | |
| Net Interest Margin | 3.51% | 3.43% | 3.42% | 3.51% | 3.45% | -6 bps | |
| Efficiency Ratio | 46.32% | 51.65% | 44.34% | 46.02% | 44.95% | -137 bps | |
| Non-Interest Burden | 1.46% | 1.62% | 1.30% | 1.42% | 1.36% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.74% | 4.44% | 5.30% | 3.98% | 4.01% | -173 bps | |
| Loan Growth (YoY) | 19.01% | 2.67% | -0.23% | 4.61% | -8.00% | -2,701 bps | |
| Deposit Growth (YoY) | 3.98% | 2.79% | 3.57% | 1.99% | 1.98% | -200 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.00% | 0.01% | 0.01% | 0.01% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.05% | 0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 1.90% | 1.97% | 2.01% | 1.98% | 2.06% | +17 bps | |
| Allowance Coverage of NPLs | 58.5x | n/a | 231.5x | 232.0x | 234.0x | +175.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.56% | 15.17% | 15.88% | 16.44% | 16.15% | +59 bps | |
| Total Risk-Based Capital | 15.56% | 15.17% | 15.88% | 16.44% | 16.15% | +59 bps | |
| Equity / Assets | 14.16% | 14.86% | 15.84% | 16.29% | 15.70% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.81% | 47.80% | 48.08% | 48.64% | 43.13% | -468 bps | |
| Liquid Assets / Assets | 38.60% | 38.58% | 39.10% | 39.31% | 43.63% | +503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 29.24% | n/a | n/a |