La Grange, IL · Cert 11306 · F N B C of La Grange Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #66 of 147 inst. · $0.5B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.28% | 0.61% | 0.59% | 0.80% | 1.29% | 0.81% | 1.55% | +96 bps | |
| Return on Equity | 5.73% | 3.36% | 7.28% | 6.65% | 8.75% | 14.00% | 8.70% | 16.56% | +991 bps | |
| Net Interest Margin | 2.46% | 2.52% | 2.61% | 2.66% | 2.76% | 2.94% | 3.07% | 3.29% | +63 bps | |
| Efficiency Ratio | 83.76% | 90.56% | 77.82% | 77.84% | 72.30% | 65.78% | 71.63% | 62.73% | -1,511 bps | |
| Non-Interest Burden | 1.90% | 2.18% | 1.82% | 1.86% | 1.73% | 1.57% | 1.91% | 1.52% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.50% | -1.06% | -1.78% | 3.01% | 1.05% | 3.72% | 1.76% | 1.63% | -137 bps | |
| Loan Growth (YoY) | 5.57% | 0.71% | -0.82% | -2.75% | 0.23% | 7.26% | 7.53% | 10.57% | +1,332 bps | |
| Deposit Growth (YoY) | -1.69% | -1.77% | -3.49% | 1.57% | 0.26% | 2.34% | 0.95% | 1.54% | -3 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.05% | -0.04% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.17% | 1.22% | 1.22% | 1.22% | 1.19% | 1.15% | 1.13% | 1.15% | -7 bps | |
| Allowance Coverage of NPLs | 19.4x | 39.3x | n/a | n/a | n/a | n/a | 29.1x | 30.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.58% | 9.49% | 9.61% | 9.89% | 9.89% | 9.69% | 10.00% | 10.02% | +14 bps | |
| Total Risk-Based Capital | 19.27% | 19.82% | 19.72% | 19.86% | 19.84% | 19.76% | 19.66% | 18.81% | -104 bps | |
| Equity / Assets | 8.51% | 7.99% | 8.75% | 9.14% | 9.18% | 9.20% | 9.45% | 9.29% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.53% | 55.58% | 57.22% | 57.41% | 58.51% | 58.25% | 60.94% | 62.52% | +511 bps | |
| Liquid Assets / Assets | 4.52% | 6.92% | 6.04% | 7.55% | 7.27% | 8.08% | 4.82% | 4.06% | -349 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 320% | 324% | 328% | n/a | n/a | |