Petersburg, IL · Cert 9631 · Ac Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 3.5% share · #10 of 26 inst. · $0.3B of $9.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.46% | 0.72% | 1.11% | 0.84% | 1.03% | 0.82% | 1.14% | +3 bps | |
| Return on Equity | 10.09% | 6.37% | 10.17% | 15.16% | 10.66% | 12.35% | 9.70% | 13.70% | -146 bps | |
| Net Interest Margin | 2.63% | 2.83% | 2.98% | 3.29% | 3.29% | 3.44% | 3.38% | 3.51% | +22 bps | |
| Efficiency Ratio | 67.60% | 80.09% | 71.08% | 60.89% | 68.92% | 68.02% | 70.64% | 62.70% | +181 bps | |
| Non-Interest Burden | 1.65% | 2.18% | 2.02% | 1.82% | 2.13% | 2.05% | 2.14% | 1.93% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.28% | 1.05% | 1.54% | 1.03% | 0.74% | 0.92% | -0.42% | 0.98% | -4 bps | |
| Loan Growth (YoY) | 7.47% | 6.99% | 8.02% | 7.79% | 8.05% | 3.95% | 0.56% | -0.97% | -876 bps | |
| Deposit Growth (YoY) | 3.60% | -0.98% | 0.63% | 2.41% | 2.23% | 1.54% | 0.19% | 0.36% | -205 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.15% | 0.25% | 0.46% | 0.28% | 0.26% | 0.49% | 0.55% | +9 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | -0.17% | 0.01% | 0.11% | 0.07% | 0.27% | 0.15% | +15 bps | |
| Allowance / Loans | 1.03% | 1.00% | 1.03% | 1.02% | 1.00% | 1.00% | 1.01% | 1.01% | -1 bps | |
| Allowance Coverage of NPLs | 6.2x | 6.5x | 4.1x | 2.2x | 3.6x | 3.8x | 2.0x | 1.8x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.51% | 8.47% | 8.78% | 8.79% | 8.97% | 8.85% | 9.08% | +30 bps | |
| Total Risk-Based Capital | 14.40% | 14.05% | 13.95% | 14.24% | 14.40% | 14.44% | 14.61% | 15.26% | +102 bps | |
| Equity / Assets | 7.37% | 6.90% | 7.17% | 7.52% | 8.18% | 8.52% | 8.30% | 8.40% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.17% | 68.91% | 67.88% | 68.23% | 68.88% | 70.55% | 68.13% | 67.33% | -90 bps | |
| Liquid Assets / Assets | 6.03% | 2.47% | 4.76% | 5.28% | 5.35% | 4.66% | 8.23% | 10.75% | +547 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 127.30% | 121.85% | 120.54% | n/a | n/a | |