PackageTrendsPeer
Letter portraitLegal landscape

Bank of Bourbonnais

Bourbonnais, IL · Cert 21635 · Illinois State Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Bourbonnais

Bourbonnais, IL · Cert 21635 · Illinois State Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$81.6MAssets
$51.3MLoans
$70.9MDeposits
$9.7MEquity
Loan mix
95%RE $47.1M5%C&I $2.3M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $50.1M29%Noninterest $20.8MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.97%Q2 ’254.78%Q2 ’26+62%-4%

Non-interest income vs. expense

1.86%Q2 ’242.59%Q2 ’252.51%Q2 ’26+38%-1%

Market Position · Kankakee, IL · 2026 SOD (annual) · 2.5% share · #11 of 13 inst. · $0.1B of $2.8B

Executive Summary

  • Earnings: ROA of 0.65%, down 3 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.85%, up 26 bps from a year ago.
  • Funding: loans stand at 72.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-12 bps YoY

Efficiency Ratio (YTD, annualized)

74.17%+151 bps YoY

Tier 1 Leverage Ratio

11.85%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.66%0.77%0.58%0.65%-3 bps
Return on Equity5.76%5.58%6.49%4.77%5.35%-40 bps
Net Interest Margin3.44%3.51%3.44%3.38%3.32%-12 bps
Efficiency Ratio72.66%73.40%68.92%76.30%74.17%+151 bps
Non-Interest Burden2.47%2.55%2.34%2.57%2.45%-2 bps
Growth
Asset Growth (YoY)-0.90%4.22%5.30%-2.95%3.43%+433 bps
Loan Growth (YoY)-6.96%-6.99%-9.12%-10.08%-2.60%+436 bps
Deposit Growth (YoY)5.84%4.23%5.09%-4.06%3.21%-263 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.01%0.00%-1 bps
Allowance / Loans1.91%1.98%1.97%1.96%1.91%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.59%11.91%11.96%12.33%11.85%+26 bps
Total Risk-Based Capital18.95%19.66%20.09%20.58%20.46%+151 bps
Equity / Assets11.70%11.94%12.27%12.19%11.88%+18 bps
Liquidity & Funding
Loans / Deposits76.60%75.05%75.73%72.45%72.28%-432 bps
Liquid Assets / Assets20.53%21.00%21.32%33.45%33.46%+1,293 bps
CRE / Total Capitaln/a437%428%406%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Bourbonnais

Bourbonnais, IL · Cert 21635 · Peer group: banks under $1B in assets (n=581-629) · Illinois State Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$81.6MAssets
$51.3MLoans
$70.9MDeposits
$9.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 75% of banks under $1B in assets (rank 474 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.63%

Rank 466 of 629

Net Interest Margin

3.32%

Rank 386 of 629

Efficiency Ratio

74.17%

Rank 416 of 629

Equity / Assets

11.88%

Rank 237 of 629

Non-interest income vs. expense

$0.1M$2.1MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 34% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.60%1.01%1.45%Beats 26%466 / 629
Return on Equity5.30%5.38%9.30%13.28%Beats 25%474 / 629
Net Interest Margin3.32%3.03%3.54%4.05%Beats 39%386 / 629
Efficiency Ratio74.17%58.35%67.79%79.08%Beats 34%416 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 65%207 / 581
Capital
Tier 1 Capital Ratio19.20%11.24%13.84%18.77%Beats 76%150 / 629
Total Risk-Based Capital Ratio20.46%11.58%14.43%19.66%Beats 77%144 / 629
Equity / Assets11.88%9.09%10.65%13.80%Beats 62%237 / 629
Liquidity & Funding
Loans / Deposits72.28%67.24%80.90%93.48%34th pctl393 / 594
Loans / Assets62.83%53.31%67.71%78.15%40th pctl375 / 629
Brokered Deposits / Depositsn/aNot reported for this institution