Cicero, IL · Cert 28425
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #102 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 | 0.00% | -0.05% | -0.22% | -0.11% | -0.06% | -0.03% | -0.05% | 0.06% | +17 bps | |
| Return on Equity | 0.03% | -0.53% | -2.37% | -1.21% | -0.64% | -0.29% | -0.55% | 0.60% | +181 bps | |
| Net Interest Margin | 2.36% | 2.37% | 2.34% | 2.35% | 2.43% | 2.50% | 2.58% | 2.60% | +25 bps | |
| Efficiency Ratio | 101.72% | 104.49% | 113.77% | 107.37% | 104.03% | 102.16% | 103.17% | 97.68% | -969 bps | |
| Non-Interest Burden | 2.41% | 2.48% | 2.67% | 2.53% | 2.53% | 2.56% | 2.67% | 2.54% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | -2.11% | -2.30% | -0.06% | -0.20% | -0.60% | -0.52% | -1.22% | -115 bps | |
| Loan Growth (YoY) | 4.30% | -4.25% | -0.33% | 3.40% | 3.89% | 7.83% | 3.93% | 3.34% | -6 bps | |
| Deposit Growth (YoY) | -1.98% | 0.31% | -1.11% | 1.65% | 3.45% | 2.18% | 2.42% | 1.52% | -13 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.94% | 0.79% | 0.86% | 0.80% | 0.76% | 0.68% | 0.67% | 0.65% | -15 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.11% | 1.15% | 1.13% | 1.11% | 1.08% | 1.07% | 1.09% | 1.09% | -3 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.5x | 1.3x | 1.4x | 1.4x | 1.6x | 1.6x | 1.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.21% | 10.32% | 10.33% | 10.17% | 10.21% | 10.32% | 10.31% | 10.32% | +15 bps | |
| Total Risk-Based Capital | 10.21% | 10.32% | 10.33% | 10.17% | 10.21% | 10.32% | 10.31% | 10.32% | +15 bps | |
| Equity / Assets | 9.71% | 9.41% | 9.52% | 9.42% | 9.79% | 9.81% | 9.84% | 9.78% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.77% | 77.62% | 79.74% | 79.18% | 82.12% | 81.92% | 80.91% | 80.59% | +142 bps | |
| Liquid Assets / Assets | 6.73% | 10.78% | 9.45% | 11.94% | 7.91% | 8.91% | 9.99% | 10.87% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 56.25% | 58.33% | 57.12% | n/a | n/a | |