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 (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 | 0.53% | 0.51% | 0.72% | 0.92% | 0.89% | 0.93% | 0.82% | 0.98% | +6 bps | |
| Return on Equity | 8.04% | 7.72% | 10.17% | 12.75% | 11.95% | 12.14% | 9.70% | 11.67% | -108 bps | |
| Net Interest Margin | 2.48% | 2.58% | 2.98% | 3.13% | 3.15% | 3.28% | 3.38% | 3.43% | +30 bps | |
| Efficiency Ratio | 71.20% | 73.70% | 71.08% | 65.71% | 66.83% | 67.16% | 70.64% | 66.64% | +92 bps | |
| Non-Interest Burden | 1.67% | 1.80% | 2.02% | 1.92% | 1.97% | 2.03% | 2.14% | 2.03% | +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 | 0.14% | 0.11% | -0.17% | -0.08% | -0.02% | 0.00% | 0.27% | 0.21% | +29 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 | |