Chicago, IL · Cert 16249 · Devon Bcorp Inc.
State charter, non-member · FDIC · 3 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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
42
Profitability
9
Liquidity
63
Efficiency
7
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.
Chicago, IL · Cert 16249 · Devon Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #90 of 147 inst. · $0.3B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.59% | -0.48% | -0.40% | -0.28% | -0.14% | -0.33% | -0.17% | +23 bps | |
| Return on Equity | -4.75% | -11.16% | -9.65% | -8.03% | -5.46% | -2.77% | -5.91% | -2.97% | +505 bps | |
| Net Interest Margin | 2.16% | 2.19% | 2.44% | 2.48% | 2.51% | 2.60% | 2.67% | 2.78% | +30 bps | |
| Efficiency Ratio | 112.79% | 112.46% | 123.28% | 116.36% | 111.37% | 109.61% | 115.22% | 109.84% | -652 bps | |
| Non-Interest Burden | 2.60% | 2.65% | 3.27% | 3.11% | 2.97% | 3.00% | 3.25% | 3.18% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.17% | -5.90% | -6.93% | -8.99% | -8.24% | -7.84% | -9.44% | -11.01% | -202 bps | |
| Loan Growth (YoY) | -11.14% | -4.59% | -11.42% | -11.17% | -11.98% | -9.71% | -6.00% | -5.58% | +559 bps | |
| Deposit Growth (YoY) | -13.55% | -8.82% | -6.50% | -6.82% | -7.36% | -9.12% | -12.83% | -15.64% | -882 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.17% | 0.18% | 0.18% | 0.19% | 0.17% | 0.17% | 0.27% | +9 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.05% | 0.03% | 0.02% | 0.01% | 0.01% | 0.01% | -2 bps | |
| Allowance / Loans | 1.35% | 1.12% | 1.06% | 1.10% | 1.11% | 1.07% | 0.95% | 0.86% | -23 bps | |
| Allowance Coverage of NPLs | 8.1x | 6.7x | 6.0x | 6.2x | 6.0x | 6.3x | 5.6x | 3.2x | -3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 5.84% | 5.87% | 5.97% | 6.09% | 6.10% | 6.04% | 6.12% | 6.27% | +18 bps | |
| Total Risk-Based Capital | 10.19% | 10.26% | 10.50% | 10.71% | 11.08% | 10.72% | 10.63% | 10.65% | -5 bps | |
| Equity / Assets | 5.63% | 4.84% | 5.07% | 5.02% | 5.30% | 5.57% | 5.75% | 6.00% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.11% | 67.33% | 65.61% | 66.48% | 64.72% | 66.89% | 70.74% | 74.40% | +793 bps | |
| Liquid Assets / Assets | 25.48% | 25.24% | 26.17% | 26.06% | 28.52% | 27.38% | 26.95% | 25.62% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 434% | 464% | 467% | n/a | n/a | |
Chicago, IL · Cert 16249 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Devon Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
-0.18%
Rank 52 of 57
Net Interest Margin
2.78%
Rank 48 of 57
Efficiency Ratio
109.84%
Rank 54 of 57
Equity / Assets
6.00%
Rank 57 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.18% | 0.51% | 0.84% | 1.19% | Beats 9% | 52 / 57 | ||
| Return on Equity | -2.98% | 3.13% | 7.76% | 11.40% | Beats 2% | 56 / 57 | ||
| Net Interest Margin | 2.78% | 3.16% | 3.63% | 4.08% | Beats 16% | 48 / 57 | ||
| Efficiency Ratio | 109.84% | 59.57% | 69.70% | 81.06% | Beats 7% | 54 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.06% | 0.34% | 1.78% | Beats 54% | 27 / 56 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 29% | 41 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.96% | 12.24% | 16.06% | 19.69% | Beats 5% | 54 / 57 | ||
| Total Risk-Based Capital Ratio | 10.65% | 12.54% | 16.50% | 20.95% | Beats 9% | 52 / 57 | ||
| Equity / Assets | 6.00% | 9.37% | 11.56% | 15.00% | Beats 0% | 57 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.40% | 66.29% | 85.59% | 95.16% | 30th pctl | 40 / 57 | ||
| Loans / Assets | 46.67% | 57.07% | 71.07% | 78.13% | 11th pctl | 51 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||