Crystal Lake, IL · Cert 12815 · Home State Bcorp Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #59 of 147 inst. · $0.7B of $630.7B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.88% | 0.95% | 1.16% | 1.19% | +38 bps | |
| Return on Equity | 8.24% | 8.79% | 9.34% | 10.82% | 11.20% | +296 bps | |
| Net Interest Margin | 3.29% | 3.39% | 3.44% | 3.69% | 3.74% | +45 bps | |
| Efficiency Ratio | 75.86% | 74.22% | 72.08% | 68.11% | 67.99% | -786 bps | |
| Non-Interest Burden | 2.27% | 2.27% | 2.20% | 2.20% | 2.22% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.69% | 4.35% | 4.03% | 4.18% | 1.98% | -271 bps | |
| Loan Growth (YoY) | 1.65% | 3.06% | 2.46% | 2.87% | 4.83% | +318 bps | |
| Deposit Growth (YoY) | 5.73% | 6.01% | 4.61% | 3.39% | 1.13% | -460 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.11% | 0.05% | 0.08% | 0.07% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.25% | 1.26% | 1.23% | +10 bps | |
| Allowance Coverage of NPLs | 13.9x | 10.3x | 24.5x | 15.2x | 16.5x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.71% | 11.87% | 11.84% | 12.16% | 11.79% | +8 bps | |
| Total Risk-Based Capital | 19.49% | 19.55% | 19.73% | 19.96% | 18.85% | -64 bps | |
| Equity / Assets | 9.90% | 10.45% | 10.68% | 10.72% | 10.55% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.75% | 74.64% | 73.48% | 72.58% | 75.41% | +266 bps | |
| Liquid Assets / Assets | 6.68% | 7.02% | 7.73% | 8.49% | 4.92% | -175 bps | |
| CRE / Total Capital | n/a | 286% | 279% | 282% | n/a | n/a | |