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 (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 | 0.65% | 0.58% | 0.44% | 1.03% | 0.68% | 0.76% | 0.83% | 0.88% | -14 bps | |
| Return on Equity | 6.77% | 6.02% | 4.57% | 10.55% | 6.80% | 7.63% | 8.39% | 9.12% | -143 bps | |
| Net Interest Margin | 2.99% | 3.05% | 3.10% | 2.86% | 3.81% | 3.59% | 3.34% | 2.95% | +9 bps | |
| Efficiency Ratio | 69.73% | 71.97% | 81.20% | 78.67% | 81.01% | 81.19% | 80.26% | 79.37% | +70 bps | |
| Non-Interest Burden | 1.84% | 1.30% | 1.84% | 1.34% | 2.42% | 2.27% | 1.87% | 1.38% | +4 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 | 0.06% | 2.26% | 0.06% | 0.01% | 0.06% | 0.96% | -0.02% | 1.42% | +140 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 | |