Ottawa, IL · Cert 27989 · Ottawa Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #127 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.63% | 0.60% | 0.73% | 0.95% | +32 bps | |
| Return on Equity | 5.59% | 5.53% | 5.30% | 6.59% | 8.50% | +291 bps | |
| Net Interest Margin | 2.95% | 2.95% | 2.91% | 3.15% | 3.22% | +27 bps | |
| Efficiency Ratio | 75.05% | 74.90% | 74.78% | 73.13% | 67.57% | -748 bps | |
| Non-Interest Burden | 2.15% | 2.14% | 2.11% | 2.21% | 1.99% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.81% | -0.25% | 2.53% | 2.59% | 2.55% | +436 bps | |
| Loan Growth (YoY) | -0.24% | -1.95% | 1.21% | 4.31% | 1.08% | +132 bps | |
| Deposit Growth (YoY) | 0.48% | 5.75% | 5.43% | 3.63% | 4.55% | +407 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.28% | 1.19% | 0.56% | 0.34% | 0.36% | -92 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.07% | 0.03% | 0 bps | |
| Allowance / Loans | 1.34% | 1.34% | 1.35% | 1.30% | 1.31% | -3 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 2.4x | 3.9x | 3.6x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.61% | 11.49% | 11.24% | 11.36% | 11.64% | +3 bps | |
| Total Risk-Based Capital | 17.09% | 16.78% | 16.78% | 16.48% | 17.04% | -4 bps | |
| Equity / Assets | 11.38% | 11.26% | 11.08% | 11.17% | 11.45% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.12% | 102.81% | 102.99% | 104.60% | 105.50% | -362 bps | |
| Liquid Assets / Assets | 2.00% | 3.21% | 5.09% | 3.77% | 2.99% | +99 bps | |
| CRE / Total Capital | n/a | 231% | 238% | 256% | n/a | n/a | |