Milford, IL · Cert 931 · Arthur R Murray Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
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 | 0.74% | 0.69% | 0.59% | 0.44% | 0.32% | 0.39% | 0.27% | 0.37% | -7 bps | |
| Return on Equity | 10.65% | 9.93% | 8.65% | 6.42% | 4.58% | 5.33% | 3.45% | 4.62% | -180 bps | |
| Net Interest Margin | 4.15% | 3.82% | 3.98% | 4.03% | 4.02% | 3.81% | 3.61% | 3.74% | -28 bps | |
| Efficiency Ratio | 78.13% | 79.45% | 82.90% | 86.77% | 89.98% | 88.18% | 86.46% | 85.68% | -110 bps | |
| Non-Interest Burden | 3.17% | 2.97% | 3.27% | 3.47% | 3.60% | 3.33% | 3.10% | 3.18% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -0.54% | -2.16% | 2.25% | 3.17% | 1.45% | 1.20% | 6.74% | +449 bps | |
| Loan Growth (YoY) | 0.82% | -2.20% | -8.66% | -5.69% | -8.31% | 5.77% | -1.86% | 15.90% | +2,158 bps | |
| Deposit Growth (YoY) | -7.56% | -0.10% | 0.80% | 2.10% | 4.50% | -0.04% | -0.25% | 5.39% | +330 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.01% | 0.00% | 0.19% | 0.25% | 0.36% | 0.16% | 0.76% | +57 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.11% | 0.00% | -0.02% | -0.01% | -0.02% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 0.60% | 0.59% | 0.52% | 0.62% | 0.57% | 0.49% | 0.54% | 0.56% | -6 bps | |
| Allowance Coverage of NPLs | 4.1x | 67.5x | n/a | 3.2x | 2.3x | 1.4x | 3.4x | 0.7x | -2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.81% | 9.25% | 8.45% | 9.10% | 9.50% | 9.23% | 8.54% | 9.11% | 0 bps | |
| Total Risk-Based Capital | 14.49% | 13.87% | 14.02% | 15.04% | 14.26% | 13.12% | 13.84% | 13.71% | -133 bps | |
| Equity / Assets | 8.04% | 6.95% | 6.60% | 6.88% | 7.81% | 7.92% | 7.85% | 8.00% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.94% | 43.65% | 42.57% | 39.06% | 41.19% | 46.19% | 41.89% | 42.96% | +389 bps | |
| Liquid Assets / Assets | 10.51% | 15.38% | 13.49% | 14.61% | 11.20% | 7.03% | 10.15% | 6.19% | -842 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 10.61% | 50.68% | 50.28% | n/a | n/a | |