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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.54% | 1.54% | 1.50% | 1.41% | 1.69% | 1.66% | 1.71% | +21 bps | |
| Return on Equity | 11.93% | 11.04% | 10.86% | 10.62% | 9.84% | 11.04% | 10.62% | 10.94% | +32 bps | |
| Net Interest Margin | 3.46% | 3.48% | 3.54% | 3.51% | 3.43% | 3.42% | 3.51% | 3.45% | -6 bps | |
| Efficiency Ratio | 50.28% | 46.90% | 46.88% | 46.32% | 51.65% | 44.34% | 46.02% | 44.95% | -137 bps | |
| Non-Interest Burden | 1.61% | 1.47% | 1.50% | 1.46% | 1.62% | 1.30% | 1.42% | 1.36% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | -4.79% | -2.85% | 5.74% | 4.44% | 5.30% | 3.98% | 4.01% | -173 bps | |
| Loan Growth (YoY) | 9.20% | 13.86% | 10.72% | 19.01% | 2.67% | -0.23% | 4.61% | -8.00% | -2,701 bps | |
| Deposit Growth (YoY) | 3.97% | -7.83% | -5.74% | 3.98% | 2.79% | 3.57% | 1.99% | 1.98% | -200 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.08% | 0.03% | 0.00% | 0.01% | 0.01% | 0.01% | -2 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | 0.04% | 0.01% | 0.02% | 0.05% | 0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 1.78% | 1.81% | 1.88% | 1.90% | 1.97% | 2.01% | 1.98% | 2.06% | +17 bps | |
| Allowance Coverage of NPLs | 21.6x | 52.1x | 22.2x | 58.5x | n/a | 231.5x | 232.0x | 234.0x | +175.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.05% | 15.23% | 15.78% | 15.56% | 15.17% | 15.88% | 16.44% | 16.15% | +59 bps | |
| Total Risk-Based Capital | 14.05% | 15.23% | 15.78% | 15.56% | 15.17% | 15.88% | 16.44% | 16.15% | +59 bps | |
| Equity / Assets | 13.52% | 14.38% | 14.56% | 14.16% | 14.86% | 15.84% | 16.29% | 15.70% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.86% | 49.91% | 47.42% | 47.81% | 47.80% | 48.08% | 48.64% | 43.13% | -468 bps | |
| Liquid Assets / Assets | 36.83% | 36.96% | 38.86% | 38.60% | 38.58% | 39.10% | 39.31% | 43.63% | +503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 29.24% | n/a | n/a |