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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 1.36% | 1.80% | 1.98% | 1.80% | 2.46% | 2.05% | 1.71% | -28 bps | |
| Return on Equity | 20.49% | 11.36% | 14.23% | 15.16% | 12.88% | 16.57% | 14.69% | 12.33% | -283 bps | |
| Net Interest Margin | 4.72% | 4.59% | 4.72% | 5.00% | 4.76% | 4.91% | 4.58% | 4.40% | -60 bps | |
| Efficiency Ratio | 46.84% | 51.57% | 54.31% | 53.63% | 53.18% | 43.83% | 51.73% | 54.69% | +106 bps | |
| Non-Interest Burden | 1.86% | 2.03% | 2.24% | 2.34% | 2.17% | 1.72% | 2.05% | 2.15% | -19 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% | 2.32% | 0.00% | 0.00% | 0.00% | 0.00% | -232 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 | |