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 | |