Pulaski Savings Bank

Chicago, IL · Cert 28611 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65-66)

FDIC · 1 branch

Q3 2024

$49.5MAssets

$42.0MLoans

$42.7MDeposits

$5.0MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 11 of 65).
Widest gap: return on equity trails 94% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 62 of 66).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.59%

Rank 62 of 66

Net Interest Margin

3.21%

Rank 33 of 66

Efficiency Ratio

117.43%

Rank 61 of 66

Equity / Assets

10.16%

Rank 42 of 66

Unfavorable gap of $1.9M · efficiency ratio beats 9% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-0.59%	0.19%	0.69%	0.95%	Beats 6%	62 / 66
Return on Equity	-5.78%	1.41%	5.65%	9.08%	Beats 6%	62 / 66
Net Interest Margin	3.21%	2.49%	3.21%	3.81%	Beats 50%	33 / 66
Efficiency Ratio	117.43%	61.20%	76.34%	90.22%	Beats 9%	61 / 66
Asset Quality
Nonperforming Loans / Loans	0.00%	0.10%	0.49%	1.34%	Beats 100%	11 / 65
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.03%	Beats 100%	25 / 65
Capital
Tier 1 Capital Ratio	20.00%	12.79%	16.04%	19.61%	Beats 79%	14 / 66
Total Risk-Based Capital Ratio	21.25%	13.16%	16.56%	20.61%	Beats 82%	12 / 66
Equity / Assets	10.16%	8.65%	11.46%	14.47%	Beats 36%	42 / 66
Liquidity & Funding
Loans / Deposits	98.33%	67.54%	83.81%	94.78%	79th pctl	14 / 66
Loans / Assets	84.96%	55.27%	68.76%	79.43%	91st pctl	6 / 65
Brokered Deposits / Deposits	n/a	Not reported for this institution