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 | |