Chicago, IL · Cert 22282 · Illinois State Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
83
Profitability
49
Liquidity
62
Efficiency
88
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.
Chicago, IL · Cert 22282 · Illinois State Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #73 of 147 inst. · $0.4B 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 | 0.74% | 0.82% | 0.91% | 0.98% | 1.06% | 1.12% | 1.09% | 1.11% | +13 bps | |
| Return on Equity | 6.00% | 6.60% | 7.27% | 7.86% | 8.30% | 8.66% | 8.07% | 8.16% | +31 bps | |
| Net Interest Margin | 2.58% | 2.71% | 2.89% | 2.91% | 2.98% | 3.08% | 3.19% | 3.24% | +33 bps | |
| Efficiency Ratio | 61.85% | 58.56% | 57.16% | 54.57% | 52.83% | 50.98% | 53.60% | 52.57% | -200 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.63% | 1.57% | 1.55% | 1.54% | 1.69% | 1.68% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.30% | 4.99% | 4.49% | 3.12% | 0.45% | 1.29% | 0.27% | -2.38% | -551 bps | |
| Loan Growth (YoY) | 3.07% | 5.05% | 4.31% | 4.02% | 3.02% | -0.30% | -5.60% | -7.05% | -1,108 bps | |
| Deposit Growth (YoY) | 7.52% | 12.91% | 5.50% | 5.02% | 0.08% | -1.20% | -1.64% | -3.89% | -892 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.12% | 0.12% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.83% | 1.77% | 1.76% | 1.73% | 1.77% | 1.78% | 1.80% | 1.79% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 15.0x | 14.5x | 14.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.37% | 12.98% | 12.63% | 12.56% | 12.77% | 13.31% | 13.58% | 14.11% | +155 bps | |
| Total Risk-Based Capital | 17.01% | 16.78% | 16.85% | 16.86% | 17.69% | 18.11% | 19.41% | 19.77% | +291 bps | |
| Equity / Assets | 12.54% | 12.51% | 12.50% | 12.58% | 13.45% | 13.39% | 13.54% | 13.99% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.97% | 98.21% | 98.75% | 98.40% | 100.85% | 99.10% | 94.77% | 95.16% | -324 bps | |
| Liquid Assets / Assets | 14.15% | 13.36% | 14.03% | 13.94% | 12.18% | 12.40% | 15.61% | 16.47% | +253 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 531% | 514% | 481% | n/a | n/a | |
Chicago, IL · Cert 22282 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Illinois State Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
Return on Assets
1.12%
Rank 18 of 57
Net Interest Margin
3.24%
Rank 41 of 57
Efficiency Ratio
52.57%
Rank 8 of 57
Equity / Assets
13.99%
Rank 20 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.51% | 0.84% | 1.19% | Beats 68% | 18 / 57 | ||
| Return on Equity | 8.01% | 3.13% | 7.76% | 11.40% | Beats 51% | 28 / 57 | ||
| Net Interest Margin | 3.24% | 3.16% | 3.63% | 4.08% | Beats 28% | 41 / 57 | ||
| Efficiency Ratio | 52.57% | 59.57% | 69.70% | 81.06% | Beats 88% | 8 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.06% | 0.34% | 1.78% | Beats 66% | 20 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.51% | 12.24% | 16.06% | 19.69% | Beats 68% | 18 / 57 | ||
| Total Risk-Based Capital Ratio | 19.77% | 12.54% | 16.50% | 20.95% | Beats 68% | 18 / 57 | ||
| Equity / Assets | 13.99% | 9.37% | 11.56% | 15.00% | Beats 65% | 20 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.16% | 66.29% | 85.59% | 95.16% | 74th pctl | 15 / 57 | ||
| Loans / Assets | 78.13% | 57.07% | 71.07% | 78.13% | 74th pctl | 15 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||