Petefish, Skiles & Company: 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 160.10 percentage points in Q2 2026, from 1187.37% to 1027.27%. It was the largest change from Q1 2026 among the key lines here. Petefish, Skiles & Company ranks 51st of 323 Illinois banks on return on assets, in the upper half at 1.78% (Q2 2026). Petefish, Skiles & Company reported 1.78% on return on assets for Q2 2026, 0.52 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.12% |
| Equity capital to assets | 9.45% |
| Tangible equity to tangible assets | 7.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.15% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 1027.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 19.25% |
| Net interest margin | 4.39% |
| Efficiency ratio | 59.30% |
| Yield on earning assets | 5.73% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.75% |
| Core deposits to total deposits | 95.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.67% |
| Securities to assets | 15.29% |
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 | 9.55% | 1.01% | 3.30% | 0.12% | 0.01% |
| Q4 2023 | 9.11% | 1.03% | 3.44% | 0.15% | 0.01% |
| Q1 2024 | 9.10% | 1.12% | 3.27% | 0.13% | 0.10% |
| Q2 2024 | 9.14% | 1.24% | 3.43% | 0.16% | 0.07% |
| Q3 2024 | 9.38% | 0.99% | 3.59% | 0.54% | 0.38% |
| Q4 2024 | 9.28% | 3.99% | 10.18% | 0.51% | 0.03% |
| Q1 2025 | 9.40% | 1.55% | 4.26% | 0.39% | 0.03% |
| Q2 2025 | 9.33% | 1.60% | 4.39% | 0.17% | 0.33% |
| Q3 2025 | 9.52% | 1.51% | 4.45% | 0.16% | 0.01% |
| Q4 2025 | 8.90% | 0.99% | 4.43% | 0.15% | 0.02% |
| Q1 2026 | 8.89% | 1.57% | 4.31% | 0.08% | 0.03% |
| Q2 2026 | 9.12% | 1.78% | 4.39% | 0.09% | -0.01% |
Petefish, Skiles & Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Petefish, Skiles & Company, 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 Petefish, Skiles & Company profile, peer group comparison, or how this data updates.
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