Palatine, IL · Cert 18641 · Amerinational Cmty Services LLC
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #97 of 147 inst. · $0.2B 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 | 0.63% | -1.29% | -0.07% | 1.84% | 1.93% | 1.80% | 1.91% | 1.43% | -40 bps | |
| Return on Equity | 3.98% | -8.20% | -0.51% | 12.40% | 12.94% | 11.84% | 11.57% | 8.74% | -366 bps | |
| Net Interest Margin | 7.12% | 2.13% | 6.61% | 6.52% | 6.42% | 6.12% | 5.78% | 5.26% | -127 bps | |
| Efficiency Ratio | 55.61% | 40.42% | 47.24% | 41.88% | 44.86% | 45.87% | 58.08% | 61.46% | +1,958 bps | |
| Non-Interest Burden | 3.95% | 0.85% | 3.09% | 2.67% | 2.87% | 2.81% | 3.39% | 3.27% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.93% | -4.30% | 1.78% | 3.38% | 6.90% | 4.76% | -1.34% | 2.81% | -57 bps | |
| Loan Growth (YoY) | -6.64% | -24.41% | -25.23% | -29.96% | -28.83% | -2.15% | -3.90% | 13.58% | +4,354 bps | |
| Deposit Growth (YoY) | 1.37% | -5.85% | 3.41% | 5.06% | 7.58% | 4.59% | -4.35% | 1.46% | -360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.23% | 5.63% | 3.94% | 4.53% | 4.60% | 3.18% | 3.23% | 8.37% | +383 bps | |
| Net Charge-Offs / Loans | 2.42% | 0.83% | 6.12% | 3.52% | 2.38% | 2.51% | -0.06% | -0.03% | -355 bps | |
| Allowance / Loans | 1.77% | 2.12% | 1.90% | 2.06% | 2.07% | 1.56% | 1.53% | 1.54% | -52 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.45% | 14.19% | 13.85% | 14.31% | 15.17% | 15.41% | 16.09% | 15.91% | +160 bps | |
| Total Risk-Based Capital | 21.47% | 23.56% | 23.19% | 14.31% | 15.17% | 15.41% | 26.33% | 26.28% | +1,197 bps | |
| Equity / Assets | 15.92% | 15.33% | 14.05% | 15.10% | 15.21% | 16.46% | 16.51% | 16.24% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.54% | 75.41% | 68.52% | 61.01% | 58.57% | 70.55% | 68.84% | 68.29% | +729 bps | |
| Liquid Assets / Assets | 23.44% | 34.55% | 38.82% | 46.34% | 48.46% | 38.83% | 40.28% | 41.77% | -458 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 248% | 272% | 273% | n/a | n/a | |