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West Town Savings Bank

Cicero, IL · Cert 28151 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65-66)

FDIC · 1 branch

Q3 2024

$518.4MAssets
$424.5MLoans
$453.9MDeposits
$61.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 11 of 66).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 61 of 65).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.86%

Rank 22 of 66

Net Interest Margin

4.19%

Rank 11 of 66

Efficiency Ratio

69.75%

Rank 27 of 66

Equity / Assets

11.93%

Rank 28 of 66

Non-interest income vs. expense

$4.6M$18.1MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 61% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 69.75%Peer median 76.3%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.86%0.19%0.69%0.95%Beats 67%22 / 66
Return on Equity7.22%1.41%5.65%9.08%Beats 62%25 / 66
Net Interest Margin4.19%2.49%3.21%3.81%Beats 83%11 / 66
Efficiency Ratio69.75%61.20%76.34%90.22%Beats 61%27 / 66
Asset Quality
Nonperforming Loans / Loans4.15%0.10%0.49%1.34%Beats 11%59 / 65
Net Charge-Offs / Loans0.31%n/a0.00%0.03%Beats 8%61 / 65
Capital
Tier 1 Capital Ratio14.15%12.79%16.04%19.61%Beats 39%40 / 66
Total Risk-Based Capital Ratio15.41%13.16%16.56%20.61%Beats 42%38 / 66
Equity / Assets11.93%8.65%11.46%14.47%Beats 58%28 / 66
Liquidity & Funding
Loans / Deposits93.51%67.54%83.81%94.78%71st pctl19 / 66
Loans / Assets81.88%55.27%68.76%79.43%82nd pctl12 / 65
Brokered Deposits / Depositsn/aNot reported for this institution