Bank of Stronghurst: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 1.78 percentage points in Q2 2026, from 124.17% to 122.39%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Bank of Stronghurst is 280th of 323 on return on assets, 0.44% as of Q2 2026, below the middle of the field. Bank of Stronghurst's return on assets of 0.44% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.54 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.17% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.51% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 122.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 4.13% |
| Net interest margin | 2.79% |
| Efficiency ratio | 81.50% |
| Yield on earning assets | 4.13% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.78% |
| Core deposits to total deposits | 90.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.80% |
| Securities to assets | 40.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.40% | 0.13% | 2.40% | 0.77% | 0.00% |
| Q4 2023 | 13.54% | 0.13% | 2.35% | 0.65% | 0.00% |
| Q1 2024 | 13.68% | -0.01% | 2.18% | 0.63% | 0.00% |
| Q2 2024 | 13.86% | -0.01% | 2.15% | 0.62% | 0.00% |
| Q3 2024 | 14.02% | 0.12% | 2.25% | 0.61% | 0.01% |
| Q4 2024 | 13.95% | 0.34% | 2.66% | 0.60% | 0.02% |
| Q1 2025 | 14.02% | 0.30% | 2.36% | 0.67% | 0.00% |
| Q2 2025 | 13.87% | 0.36% | 2.61% | 0.58% | 0.00% |
| Q3 2025 | 14.19% | 0.47% | 2.93% | 0.43% | 0.45% |
| Q4 2025 | 14.31% | 0.31% | 2.91% | 0.93% | 0.00% |
| Q1 2026 | 14.23% | 0.42% | 2.77% | 0.99% | 0.00% |
| Q2 2026 | 14.17% | 0.44% | 2.79% | 0.96% | 0.00% |
Bank of Stronghurst vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Stronghurst, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Stronghurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16413) · FFIEC NIC profile (RSSD 593940)