Watch on earnings:Net interest margin (NIM) and quarterly basis point changesNon-performing assets (NPAs) as percentage of total assets and coverage ratiosLoan growth by category (CRE, C&I, agricultural, residential)Efficiency ratio and operating expense trendsTangible book value per share and capital ratios (CET1, Tier 1)
Key metrics:Federal Funds Rate and forward guidance from FOMC meetings impacting NIM trajectory · 10Y-2Y Treasury yield curve spread as indicator of banking sector profitability environment · Midwest regional unemployment rates and GDP growth as proxy for loan demand and credit quality · Commercial real estate price indices and vacancy rates in Illinois/Missouri markets
⚠ Current negative profitability (-26.6% net margin) raises capital adequacy concerns if losses persist, potentially requiring capital raises that would dilute existing shareholders
Metric
Dec 21
Dec 22
Dec 23
Dec 24
Dec 25
Cash & Equivalents
673
153↓77.2%
134↓12.5%
114↓15.0%
128↑12.1%
Total Current Assets
2,023
1,434↓29.1%
1,548↑8.0%
1,468↓5.2%
1,653↑12.6%
Total Assets
7,444
7,856↑5.5%
7,867↑0.1%
7,507↓4.6%
6,511↓13.3%
Total Current Liabilities
6,281
6,629↑5.5%
6,605↓0.4%
6,409↓3.0%
60↓99.1%
Total Liabilities
6,780
7,097↑4.7%
7,075↓0.3%
6,796↓3.9%
5,946↓12.5%
Total Equity
664
759↑14.3%
792↑4.4%
711↓10.2%
565↓20.4%
Total Debt
537
644↑20.1%
604↓6.2%
423↓30.0%
432↑2.1%
Net Debt
-137
491↑459.2%
470↓4.2%
309↓34.2%
304↓1.6%
Cash Flow Statement
Metric
Dec 21
Dec 22
Dec 23
Dec 24
Dec 25
Operating Cash Flow
334
247↓26.1%
155↓37.4%
177↑14.2%
126↓28.8%
Capital Expenditure
-3
-3↓27.7%
-9↓151.6%
-7↑21.0%
-5↑22.5%
Free Cash Flow
332
244↓26.6%
146↓40.1%
170↑16.3%
120↓29.1%
Stock-Based Comp
2
2↑14.1%
2↑12.6%
3↑21.8%
3↓3.9%
Net Change in Cash
339
-520↓253.4%
-26↑95.1%
-20↑20.6%
-8↑59.6%
Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down