Chicago, IL · Cert 17230 · Albank Corp.
National charter · OCC · 4 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #63 of 147 inst. · $0.6B 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 | 0.79% | 1.32% | 0.49% | 0.74% | 0.79% | 1.41% | 0.76% | 0.81% | +7 bps | |
| Return on Equity | 4.79% | 7.89% | 2.90% | 4.35% | 4.73% | 8.39% | 4.52% | 4.74% | +38 bps | |
| Net Interest Margin | 2.95% | 2.98% | 2.71% | 2.92% | 2.98% | 3.12% | 3.01% | 3.28% | +37 bps | |
| Efficiency Ratio | 56.93% | 44.97% | 72.30% | 62.23% | 59.12% | 43.42% | 63.16% | 56.94% | -528 bps | |
| Non-Interest Burden | 1.63% | 1.27% | 1.92% | 1.77% | 1.71% | 1.29% | 1.86% | 1.82% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -4.12% | -0.41% | 0.15% | 3.25% | 2.50% | 3.36% | 1.42% | +128 bps | |
| Loan Growth (YoY) | -0.65% | 1.32% | 0.35% | -0.38% | -2.01% | -6.00% | -5.84% | -4.07% | -369 bps | |
| Deposit Growth (YoY) | -3.22% | -5.64% | -1.18% | -0.62% | 3.29% | 2.39% | 3.43% | 1.06% | +168 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.50% | 1.85% | 1.82% | 1.88% | 1.14% | 1.13% | -72 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.91% | 0.93% | 0.96% | 1.00% | 1.05% | 0.83% | 0.91% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.4x | 0.5x | 0.6x | 0.6x | 0.7x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.56% | 16.45% | 16.76% | 16.72% | 16.54% | 16.50% | 16.69% | 16.98% | +26 bps | |
| Total Risk-Based Capital | 16.56% | 16.45% | 16.76% | 16.72% | 16.54% | 16.50% | 16.69% | 16.98% | +26 bps | |
| Equity / Assets | 16.74% | 16.69% | 16.91% | 16.90% | 16.68% | 16.80% | 16.92% | 17.23% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.75% | 98.79% | 99.29% | 97.72% | 93.69% | 90.69% | 90.39% | 92.76% | -496 bps | |
| Liquid Assets / Assets | 10.95% | 11.59% | 11.43% | 12.40% | 15.60% | 17.48% | 17.66% | 15.57% | +317 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 404% | 375% | 368% | n/a | n/a | |