Albany Bank & Trust Co., National Association
Chicago, IL · Cert 17230 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Albank Corp.
National charter · OCC · 4 branches
Q2 2026
$721.8MAssets
$548.3MLoans
$591.1MDeposits
$124.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 86% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 8 of 57).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 54 of 56).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.79%
Rank 32 of 57
Net Interest Margin
3.16%
Rank 43 of 57
Efficiency Ratio
59.94%
Rank 16 of 57
Equity / Assets
17.23%
Rank 8 of 57
Non-interest income vs. expense
Unfavorable gap of $13.4M · efficiency ratio beats 74% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.51% | 0.84% | 1.19% | Beats 44% | 32 / 57 | | |
| Return on Equity | 4.59% | 3.13% | 7.76% | 11.40% | Beats 33% | 38 / 57 | | |
| Net Interest Margin | 3.16% | 3.16% | 3.63% | 4.08% | Beats 25% | 43 / 57 | | |
| Efficiency Ratio | 59.94% | 59.57% | 69.70% | 81.06% | Beats 74% | 16 / 57 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.06% | 0.34% | 1.78% | Beats 32% | 39 / 56 | | |
| Net Charge-Offs / Loans | 0.25% | n/a | 0.00% | 0.01% | Beats 5% | 54 / 56 | | |
| Capital |
| Tier 1 Capital Ratio | 16.98% | 12.24% | 16.06% | 19.69% | Beats 54% | 26 / 57 | | |
| Total Risk-Based Capital Ratio | 16.98% | 12.54% | 16.50% | 20.95% | Beats 53% | 27 / 57 | | |
| Equity / Assets | 17.23% | 9.37% | 11.56% | 15.00% | Beats 86% | 8 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.76% | 66.29% | 85.59% | 95.16% | 72nd pctl | 16 / 57 | | |
| Loans / Assets | 75.96% | 57.07% | 71.07% | 78.13% | 67th pctl | 19 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |