Chicago, IL · Cert 27556 · Burling Bcorp Inc.
State charter, non-member · FDIC · 1 branch
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
50
Asset Quality
55
Profitability
92
Liquidity
52
Efficiency
84
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 27556 · Burling Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #98 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 | 1.95% | 1.82% | 1.80% | 1.90% | 1.87% | 2.01% | 2.05% | 1.92% | +2 bps | |
| Return on Equity | 18.34% | 16.54% | 14.23% | 14.73% | 14.08% | 14.73% | 14.69% | 13.47% | -126 bps | |
| Net Interest Margin | 4.36% | 4.57% | 4.72% | 4.86% | 5.02% | 4.93% | 4.58% | 4.37% | -49 bps | |
| Efficiency Ratio | 49.11% | 49.74% | 54.31% | 53.96% | 53.71% | 51.25% | 51.73% | 53.21% | -76 bps | |
| Non-Interest Burden | 1.85% | 1.96% | 2.24% | 2.29% | 2.34% | 2.16% | 2.05% | 2.05% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.61% | -0.99% | -6.20% | -12.71% | -13.78% | -7.06% | 8.99% | 4.01% | +1,672 bps | |
| Loan Growth (YoY) | 10.33% | 0.01% | -6.35% | -5.73% | -10.71% | -5.57% | -5.27% | 4.26% | +999 bps | |
| Deposit Growth (YoY) | 5.99% | 22.30% | -12.60% | -24.46% | -10.46% | -9.60% | 13.88% | 14.49% | +3,894 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.57% | 0.57% | 0.00% | 0.39% | 0.53% | 4.02% | 3.77% | +377 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 1.16% | 0.80% | 0.60% | 0.00% | 0.00% | -116 bps | |
| Allowance / Loans | 1.31% | 1.62% | 1.69% | 1.19% | 1.29% | 1.33% | 1.33% | 1.30% | +11 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.9x | 3.0x | n/a | 3.3x | 2.5x | 0.3x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.84% | 12.84% | 13.65% | 13.54% | 14.65% | 15.10% | 13.96% | 13.65% | +10 bps | |
| Total Risk-Based Capital | 11.84% | 12.84% | 13.65% | 13.54% | 14.65% | 15.10% | 13.96% | 13.65% | +10 bps | |
| Equity / Assets | 11.46% | 12.53% | 12.72% | 13.46% | 14.58% | 15.11% | 12.96% | 14.85% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.93% | 94.02% | 96.33% | 107.23% | 103.65% | 98.21% | 80.13% | 97.66% | -958 bps | |
| Liquid Assets / Assets | 3.93% | 3.70% | 5.29% | 2.31% | 2.53% | 4.98% | 19.64% | 2.84% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 277% | 280% | 275% | n/a | n/a | |
Chicago, IL · Cert 27556 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Burling Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.94%
Rank 1 of 57
Net Interest Margin
4.37%
Rank 6 of 57
Efficiency Ratio
53.21%
Rank 10 of 57
Equity / Assets
14.85%
Rank 16 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.94% | 0.51% | 0.84% | 1.19% | Beats 98% | 1 / 57 | ||
| Return on Equity | 13.09% | 3.13% | 7.76% | 11.40% | Beats 88% | 7 / 57 | ||
| Net Interest Margin | 4.37% | 3.16% | 3.63% | 4.08% | Beats 89% | 6 / 57 | ||
| Efficiency Ratio | 53.21% | 59.57% | 69.70% | 81.06% | Beats 84% | 10 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.77% | 0.06% | 0.34% | 1.78% | Beats 9% | 52 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.65% | 12.24% | 16.06% | 19.69% | Beats 40% | 34 / 57 | ||
| Total Risk-Based Capital Ratio | 13.65% | 12.54% | 16.50% | 20.95% | Beats 39% | 35 / 57 | ||
| Equity / Assets | 14.85% | 9.37% | 11.56% | 15.00% | Beats 72% | 16 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.66% | 66.29% | 85.59% | 95.16% | 81st pctl | 11 / 57 | ||
| Loans / Assets | 82.22% | 57.07% | 71.07% | 78.13% | 84th pctl | 9 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||