Bankchampaign, N.A.: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.31 percentage points higher than in Q1 2026, at 102.02%. Among 323 Illinois banks, Bankchampaign, N.A. sits 14th from the top on return on assets, 2.29% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Bankchampaign, N.A. reported 2.29% on return on assets in Q2 2026, 1.04 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.89% |
| Tier 1 leverage ratio | 11.84% |
| Equity capital to assets | 11.96% |
| Tangible equity to tangible assets | 11.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.29% |
| Return on equity | 19.87% |
| Net interest margin | 4.46% |
| Efficiency ratio | 56.17% |
| Yield on earning assets | 6.13% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.02% |
| Core deposits to total deposits | 89.61% |
| Brokered deposits to total deposits | 2.59% |
| Deposits to assets | 79.58% |
| Securities to assets | 8.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.38% | 15.38% | 16.64% | 13.50% | 1.43% |
| Q4 2023 | 15.01% | 15.01% | 16.27% | 13.45% | 2.02% |
| Q1 2024 | 15.21% | 15.21% | 16.46% | 12.92% | 1.22% |
| Q2 2024 | 14.52% | 14.52% | 15.78% | 12.51% | 1.67% |
| Q3 2024 | 15.31% | 15.31% | 16.57% | 12.96% | 4.79% |
| Q4 2024 | 14.83% | 14.83% | 16.08% | 13.46% | 1.94% |
| Q1 2025 | 13.62% | 13.62% | 14.87% | 12.29% | 1.58% |
| Q2 2025 | 13.77% | 13.77% | 15.03% | 12.08% | 1.75% |
| Q3 2025 | 13.41% | 13.41% | 14.67% | 11.80% | 1.92% |
| Q4 2025 | 13.88% | 13.88% | 15.14% | 12.09% | 2.24% |
| Q1 2026 | 14.65% | 14.65% | 15.90% | 12.07% | 1.95% |
| Q2 2026 | 14.63% | 14.63% | 15.89% | 11.84% | 2.29% |
Bankchampaign, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankchampaign, N.A., 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 Bankchampaign, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22434) · FFIEC NIC profile (RSSD 436739)