Chicago, IL · Cert 27910
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #124 of 147 inst. · $0.1B 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 | 0.60% | 0.26% | 0.64% | 0.66% | 0.67% | 0.31% | 0.74% | 0.49% | -17 bps | |
| Return on Equity | 2.27% | 0.97% | 2.47% | 2.64% | 2.74% | 1.29% | 3.04% | 1.96% | -68 bps | |
| Net Interest Margin | 3.97% | 3.90% | 3.88% | 3.78% | 3.60% | 3.63% | 3.85% | 4.08% | +30 bps | |
| Efficiency Ratio | 81.28% | 92.24% | 76.91% | 76.21% | 74.88% | 88.44% | 74.28% | 81.06% | +485 bps | |
| Non-Interest Burden | 3.20% | 3.56% | 2.96% | 2.85% | 2.67% | 3.18% | 2.83% | 3.28% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 1.85% | 5.26% | 11.72% | 16.78% | 13.17% | 2.72% | -10.17% | -2,189 bps | |
| Loan Growth (YoY) | 6.58% | 5.25% | 7.89% | 9.94% | 10.18% | -1.92% | -7.00% | -9.62% | -1,956 bps | |
| Deposit Growth (YoY) | 0.77% | 2.13% | 4.62% | 15.07% | 24.96% | 22.87% | 10.52% | -9.21% | -2,428 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.74% | 0.70% | 0.68% | 0.57% | 0.61% | 0.61% | 0.57% | -11 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.55% | 1.52% | 1.45% | 1.40% | 1.40% | 1.50% | 1.50% | 1.50% | +10 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.1x | 2.1x | 2.1x | 2.5x | 2.4x | 2.5x | 2.6x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.68% | 25.26% | 24.81% | 23.82% | 22.83% | 22.46% | 23.43% | 25.49% | +166 bps | |
| Total Risk-Based Capital | 34.30% | 33.84% | 32.56% | 31.65% | 31.45% | 35.10% | 35.81% | 35.11% | +346 bps | |
| Equity / Assets | 26.34% | 26.19% | 25.36% | 23.66% | 22.85% | 23.45% | 25.04% | 26.59% | +293 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 127.04% | 128.45% | 131.22% | 120.61% | 112.01% | 102.54% | 110.42% | 120.06% | -55 bps | |
| Liquid Assets / Assets | 10.79% | 9.43% | 8.35% | 12.22% | 15.96% | 21.26% | 16.78% | 11.57% | -65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 226% | 224% | n/a | n/a | |