Peoria, IL · Cert 9632 · First State Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
14
Profitability
36
Liquidity
0
Efficiency
15
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Peoria, IL · Cert 9632 · First State Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 1.8% share · #10 of 35 inst. · $0.2B of $10.0B
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 | 0.61% | 0.60% | 0.44% | 0.73% | 0.72% | 0.73% | 0.83% | 0.85% | +12 bps | |
| Return on Equity | 6.30% | 6.23% | 4.57% | 7.58% | 7.31% | 7.40% | 8.39% | 8.77% | +118 bps | |
| Net Interest Margin | 2.85% | 2.84% | 3.10% | 2.95% | 3.24% | 3.24% | 3.34% | 3.11% | +16 bps | |
| Efficiency Ratio | 71.07% | 71.41% | 81.20% | 79.88% | 80.27% | 80.51% | 80.26% | 79.80% | -8 bps | |
| Non-Interest Burden | 1.81% | 1.65% | 1.84% | 1.57% | 1.86% | 1.91% | 1.87% | 1.61% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.85% | 9.66% | 11.34% | 8.62% | 6.22% | 5.36% | 6.13% | 10.21% | +159 bps | |
| Loan Growth (YoY) | 11.05% | 9.90% | 11.99% | 5.54% | 4.46% | 1.70% | 5.29% | 5.86% | +32 bps | |
| Deposit Growth (YoY) | 12.33% | 11.36% | 7.37% | 3.68% | 2.46% | 6.46% | 2.92% | 5.60% | +192 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 0.84% | 1.10% | 2.63% | 1.94% | 1.55% | 1.66% | 1.99% | -64 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.72% | 0.06% | 0.04% | 0.05% | 0.27% | -0.02% | 0.70% | +66 bps | |
| Allowance / Loans | 1.20% | 1.22% | 1.37% | 1.48% | 1.59% | 1.47% | 1.51% | 1.26% | -22 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.2x | 0.6x | 0.8x | 0.9x | 0.9x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.88% | 9.02% | 9.06% | 9.17% | 9.33% | 9.07% | 9.33% | 9.12% | -5 bps | |
| Total Risk-Based Capital | 11.53% | 11.72% | 11.63% | 11.88% | 12.13% | 12.26% | 11.88% | 12.04% | +17 bps | |
| Equity / Assets | 9.68% | 9.60% | 9.66% | 9.80% | 10.07% | 9.87% | 9.90% | 9.47% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.38% | 98.01% | 99.78% | 100.43% | 99.29% | 93.63% | 102.07% | 100.68% | +25 bps | |
| Liquid Assets / Assets | 3.86% | 3.99% | 2.57% | 4.33% | 3.69% | 6.03% | 3.30% | 5.25% | +92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 338% | 340% | 347% | n/a | n/a | |
Peoria, IL · Cert 9632 · Peer group: banks under $1B in assets in IL (n=149-151) · First State Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
0.82%
Rank 99 of 151
Net Interest Margin
3.11%
Rank 108 of 151
Efficiency Ratio
79.80%
Rank 129 of 151
Equity / Assets
9.47%
Rank 103 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.70% | 1.03% | 1.34% | Beats 34% | 99 / 151 | ||
| Return on Equity | 8.67% | 6.74% | 9.34% | 12.94% | Beats 46% | 82 / 151 | ||
| Net Interest Margin | 3.11% | 3.02% | 3.43% | 3.83% | Beats 28% | 108 / 151 | ||
| Efficiency Ratio | 79.80% | 54.64% | 64.89% | 72.50% | Beats 15% | 129 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.99% | 0.20% | 0.66% | 1.77% | Beats 21% | 118 / 149 | ||
| Net Charge-Offs / Loans | 0.36% | 0.00% | 0.02% | 0.07% | Beats 6% | 141 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.80% | 11.83% | 14.17% | 18.66% | Beats 13% | 132 / 151 | ||
| Total Risk-Based Capital Ratio | 12.04% | 12.22% | 14.54% | 19.92% | Beats 23% | 116 / 151 | ||
| Equity / Assets | 9.47% | 9.10% | 10.65% | 12.40% | Beats 32% | 103 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.68% | 54.39% | 71.02% | 80.75% | 97th pctl | 4 / 149 | ||
| Loans / Assets | 77.03% | 45.91% | 61.31% | 68.01% | 93rd pctl | 10 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||