Grand Chain, IL · Cert 10816 · Main Street Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
51
Profitability
28
Liquidity
62
Efficiency
1
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Grand Chain, IL · Cert 10816 · Main Street Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.89% | -1.62% | -1.31% | -1.97% | -2.12% | -2.23% | -3.33% | -3.38% | -141 bps | |
| Return on Equity | -21.99% | -18.56% | -13.90% | -21.22% | -23.04% | -24.39% | -37.92% | -39.15% | -1,793 bps | |
| Net Interest Margin | 4.77% | 5.10% | 4.04% | 4.00% | 4.03% | 4.13% | 3.95% | 4.01% | +1 bps | |
| Efficiency Ratio | 112.94% | 112.79% | 154.25% | 154.06% | 153.88% | 153.40% | 170.59% | 169.39% | +1,533 bps | |
| Non-Interest Burden | 5.47% | 5.84% | 6.53% | 6.54% | 6.64% | 6.76% | 7.28% | 7.44% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -29.90% | -26.72% | -25.61% | -16.67% | -13.01% | -10.16% | -16.97% | -14.27% | +240 bps | |
| Loan Growth (YoY) | 4.72% | -9.31% | -14.01% | -19.63% | -14.51% | -9.65% | -12.53% | -12.15% | +748 bps | |
| Deposit Growth (YoY) | -31.55% | -27.95% | -26.69% | -17.17% | -13.17% | -9.36% | -16.54% | -13.61% | +356 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.75% | 4.01% | 9.92% | 16.50% | 15.60% | 15.94% | 18.94% | 15.59% | -91 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 4.07% | 4.51% | 4.31% | 4.59% | 4.33% | 4.54% | 4.93% | 1.45% | -315 bps | |
| Allowance Coverage of NPLs | 0.5x | 1.1x | 0.4x | 0.3x | 0.3x | 0.3x | 0.3x | 0.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 9.11% | 9.24% | 8.64% | 9.02% | 8.58% | 8.37% | 8.14% | -50 bps | |
| Total Risk-Based Capital | 11.84% | 13.00% | 13.41% | 12.42% | 12.66% | 11.43% | 12.10% | 11.75% | -67 bps | |
| Equity / Assets | 8.91% | 9.52% | 9.31% | 9.00% | 8.95% | 8.81% | 8.76% | 8.28% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.05% | 82.31% | 78.97% | 76.79% | 81.77% | 82.05% | 82.76% | 78.09% | +130 bps | |
| Liquid Assets / Assets | 12.61% | 14.09% | 17.26% | 18.48% | 14.01% | 13.31% | 11.81% | 12.90% | -559 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 303% | 322% | 350% | n/a | n/a | |
Grand Chain, IL · Cert 10816 · Peer group: banks under $1B in assets in IL (n=149-151) · Main Street Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-3.49%
Rank 150 of 151
Net Interest Margin
4.01%
Rank 26 of 151
Efficiency Ratio
169.39%
Rank 151 of 151
Equity / Assets
8.28%
Rank 128 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.49% | 0.70% | 1.03% | 1.34% | Beats 1% | 150 / 151 | ||
| Return on Equity | -42.22% | 6.74% | 9.34% | 12.94% | Beats 1% | 150 / 151 | ||
| Net Interest Margin | 4.01% | 3.02% | 3.43% | 3.83% | Beats 83% | 26 / 151 | ||
| Efficiency Ratio | 169.39% | 54.64% | 64.89% | 72.50% | Beats 1% | 151 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 15.59% | 0.20% | 0.66% | 1.77% | Beats 1% | 149 / 149 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.50% | 11.83% | 14.17% | 18.66% | Beats 7% | 140 / 151 | ||
| Total Risk-Based Capital Ratio | 11.75% | 12.22% | 14.54% | 19.92% | Beats 19% | 123 / 151 | ||
| Equity / Assets | 8.28% | 9.10% | 10.65% | 12.40% | Beats 15% | 128 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.09% | 54.39% | 71.02% | 80.75% | 67th pctl | 49 / 149 | ||
| Loans / Assets | 69.88% | 45.91% | 61.31% | 68.01% | 80th pctl | 30 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||