Waukegan, IL · Cert 27683 · NSTS Bcorp Inc.
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #96 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 | 0.03% | 0.15% | -0.09% | 0.02% | 0.17% | 0.29% | 0.33% | 0.90% | +88 bps | |
| Return on Equity | 0.15% | 0.71% | -0.46% | 0.11% | 0.81% | 1.39% | 1.46% | 3.97% | +385 bps | |
| Net Interest Margin | 2.61% | 2.52% | 2.57% | 2.58% | 2.71% | 2.70% | 2.72% | 2.62% | +5 bps | |
| Efficiency Ratio | 96.82% | 94.74% | 104.81% | 98.88% | 95.51% | 93.56% | 92.09% | 79.06% | -1,982 bps | |
| Non-Interest Burden | 2.51% | 2.35% | 2.71% | 2.54% | 2.55% | 2.48% | 2.43% | 1.74% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | 8.57% | 6.28% | 3.81% | 0.55% | -4.35% | -4.38% | -2.16% | -597 bps | |
| Loan Growth (YoY) | 27.91% | 8.67% | 4.43% | 0.71% | -1.38% | 1.09% | -2.60% | -6.84% | -755 bps | |
| Deposit Growth (YoY) | 6.58% | 11.00% | 7.27% | 6.17% | 2.35% | -5.32% | -5.15% | -4.85% | -1,102 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.00% | 0.20% | 0.21% | 0.21% | 0.21% | 0.22% | 1.87% | +166 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.10% | -0.07% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.90% | 0.86% | 0.87% | 0.92% | 0.84% | 0.84% | 0.85% | -2 bps | |
| Allowance Coverage of NPLs | 4.8x | n/a | 4.4x | 4.2x | 4.4x | 4.0x | 3.9x | 0.5x | -3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 23.96% | 23.53% | 23.11% | 23.20% | 24.11% | 24.32% | 24.93% | 25.24% | +204 bps | |
| Total Risk-Based Capital | 23.96% | 23.53% | 23.11% | 23.20% | 24.11% | 24.32% | 24.93% | 25.24% | +204 bps | |
| Equity / Assets | 21.28% | 20.09% | 20.25% | 21.03% | 22.03% | 22.72% | 22.51% | 23.06% | +203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.45% | 62.99% | 62.64% | 65.46% | 66.92% | 67.25% | 64.32% | 64.09% | -137 bps | |
| Liquid Assets / Assets | 13.06% | 19.27% | 20.50% | 17.37% | 12.77% | 12.76% | 16.03% | 17.45% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 16.04% | 14.87% | 15.11% | n/a | n/a | |