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Regulatory profile
Effingham, IL · FDIC certificate #1040 · RSSD 773247
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $6.7B | $5.7B | $4.2B | 1.22% | 13.18% | 4.01% |
| 2026-03-31 | $6.5B | $5.5B | $4.3B | 1.18% | 12.69% | 3.98% |
| 2025-12-31 | $6.5B | $5.4B | $4.3B | -1.62% | -17.07% | 3.84% |
| 2025-09-30 | $6.9B | $5.6B | $4.8B | -2.09% | -21.93% | 3.80% |
| 2025-06-30 | $7.1B | $6.0B | $5.0B | -3.43% | -35.40% | 3.70% |
| 2025-03-31 | $7.3B | $5.9B | $5.2B | -7.54% | -76.22% | 3.65% |
| 2024-12-31 | $7.5B | $6.2B | $5.4B | 0.57% | 5.33% | 3.58% |
| 2024-09-30 | $7.7B | $6.3B | $5.6B | 1.25% | 11.64% | 3.57% |
| 2024-06-30 | $7.7B | $6.1B | $5.7B | 1.35% | 12.73% | 3.57% |
| 2024-03-31 | $7.8B | $6.3B | $5.8B | 1.27% | 12.11% | 3.58% |
| 2023-12-31 | $7.8B | $6.3B | $5.9B | 0.84% | 8.25% | 3.66% |
| 2023-09-30 | $7.9B | $6.4B | $6.1B | 0.87% | 8.53% | 3.66% |
| 2023-06-30 | $8.0B | $6.4B | $6.2B | 0.88% | 8.58% | 3.66% |
| 2023-03-31 | $7.9B | $6.4B | $6.2B | 0.88% | 8.58% | 3.70% |
| 2022-12-31 | $7.8B | $6.4B | $6.2B | 1.39% | 13.65% | 3.95% |
| 2022-09-30 | $7.8B | $6.5B | $6.1B | 1.29% | 12.72% | 3.96% |
| 2022-06-30 | $7.4B | $6.2B | $5.7B | 1.32% | 12.94% | 3.92% |
| 2022-03-31 | $7.3B | $6.1B | $5.4B | 1.39% | 13.37% | 3.75% |
| 2021-12-31 | $7.4B | $6.1B | $5.2B | 1.26% | 11.14% | 3.49% |
| 2021-09-30 | $7.1B | $5.6B | $4.9B | 1.23% | 10.80% | 3.51% |
| 2021-06-30 | $6.6B | $5.2B | $4.8B | 1.23% | 10.71% | 3.55% |
| 2021-03-31 | $6.9B | $5.4B | $4.9B | 1.17% | 10.37% | 3.56% |
| 2020-12-31 | $6.9B | $5.2B | $5.2B | 0.47% | 3.91% | 3.66% |
| 2020-09-30 | $6.7B | $5.1B | $5.0B | 0.43% | 3.47% | 3.63% |
| 2020-06-30 | $6.6B | $5.0B | $4.8B | 0.57% | 4.48% | 3.65% |
| 2020-03-31 | $6.2B | $4.7B | $4.5B | 0.23% | 1.76% | 3.68% |
| 2019-12-31 | $6.1B | $4.6B | $4.4B | 1.07% | 7.98% | 3.80% |
| 2019-09-30 | $5.7B | $4.2B | $4.2B | 1.12% | 8.15% | 3.94% |
| 2019-06-30 | $5.5B | $4.0B | $4.1B | 1.19% | 8.68% | 3.95% |
| 2019-03-31 | $5.6B | $4.1B | $4.1B | 1.11% | 8.15% | 3.91% |
| 2018-12-31 | $5.6B | $4.1B | $4.1B | 0.82% | 6.46% | 3.81% |
| 2018-09-30 | $5.7B | $4.2B | $4.2B | 0.68% | 5.37% | 3.70% |
| 2018-06-30 | $4.4B | $3.1B | $3.3B | 0.31% | 2.48% | 3.86% |
| 2018-03-31 | $4.4B | $3.1B | $3.2B | 0.13% | 0.99% | 3.87% |
| 2017-12-31 | $4.4B | $3.2B | $3.3B | 0.41% | 3.32% | 3.58% |
| 2017-09-30 | $4.3B | $3.1B | $3.2B | 0.52% | 4.15% | 3.44% |
| 2017-06-30 | $3.5B | $2.6B | $2.5B | 0.78% | 6.81% | 3.90% |
| 2017-03-31 | $3.4B | $2.6B | $2.5B | 1.12% | 9.58% | 3.95% |
| 2016-12-31 | $3.2B | $2.4B | $2.4B | 1.19% | 10.16% | 4.13% |
| 2016-09-30 | $3.2B | $2.5B | $2.4B | 1.01% | 8.69% | 4.21% |
| 2016-06-30 | $3.0B | $2.4B | $2.2B | 0.95% | 8.14% | 4.28% |
| 2016-03-31 | $2.9B | $2.4B | $2.1B | 0.84% | 7.32% | 4.03% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1491351 · 1990-01-07 to current
2019-10-19RSSD 300036 → 773247 · code 1
2018-07-14RSSD 813947 → 773247 · code 1
2017-09-02RSSD 457547 → 773247 · code 1
2015-03-31RSSD 501972 → 773247 · code 1
2013-06-06RSSD 620930 → 773247 · code 1
2010-10-16RSSD 3384840 → 773247 · code 50
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.