PackageTrendsPeer
Letter portraitLegal landscape

Bankfinancial, National Association

Olympia Fields, IL · Cert 28808

FDIC · 19 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=32). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q4 2025peer median (50)

Asset Quality

16

Q2 2024Q4 2025peer median (50)

Profitability

26

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

16

Q2 2024Q4 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankfinancial, National Association

Olympia Fields, IL · Cert 28808

FDIC · 19 branches

Q4 2025

$1.4BAssets
$708.5MLoans
$1.2BDeposits
$167.0MEquity
Loan mix
81%RE $570.4M19%C&I $136.4M0%Consumer $1.7MQ1 2024Q4 2025
Deposit mix
83%Interest-bearing $1.0B17%Noninterest $0.2BQ1 2024Q4 2025

Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.2% share · #46 of 152 inst. · $1.2B of $601.9B

0.2% Cook
0.3% DuPage
0.4% Lake
0.3% Will

Executive Summary

  • Earnings: ROA of 0.64%, up 23 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 1.59% of loans (-30 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.58%, up 35 bps from a year ago.
  • Funding: loans stand at 58.29% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.64%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-22 bps YoY

Efficiency Ratio (YTD, annualized)

75.93%-67 bps YoY

Tier 1 Leverage Ratio

11.58%+35 bps YoY

NIM

4.49%Q4 ’234.86%Q4 ’244.59%Q4 ’25-2%-6%

Non-interest income vs. expense

2.78%Q4 ’232.91%Q4 ’242.75%Q4 ’25+4%-8%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.59%0.65%0.66%0.41%0.73%0.42%0.60%0.64%+23 bps
Return on Equity5.42%5.95%5.96%3.71%6.51%3.69%5.25%5.58%+187 bps
Net Interest Margin3.50%3.53%3.53%3.50%3.34%3.31%3.26%3.28%-22 bps
Efficiency Ratio79.81%77.63%75.98%76.60%77.67%79.55%76.04%75.93%-67 bps
Non-Interest Burden2.72%2.67%2.60%2.61%2.50%2.55%2.39%2.41%-20 bps
Growth
Asset Growth (YoY)-4.20%-3.22%-5.87%-3.60%-2.65%-3.18%2.74%-1.58%+202 bps
Loan Growth (YoY)-17.74%-15.60%-16.36%-15.48%-16.52%-19.16%-17.51%-20.85%-537 bps
Deposit Growth (YoY)-4.22%-4.00%-6.30%-3.51%-2.20%-2.74%3.82%-1.44%+207 bps
Asset Quality
Nonperforming Loans / Loans2.02%2.09%2.40%1.89%1.93%1.42%1.49%1.59%-30 bps
Net Charge-Offs / Loans0.06%0.03%0.13%0.65%0.01%0.11%0.09%0.07%-58 bps
Allowance / Loans0.81%0.82%0.85%0.85%0.86%1.13%1.15%1.18%+33 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.4x0.8x0.8x0.7x+0.3x
Capital
Tier 1 Leverage Ratio11.03%11.32%11.48%11.23%11.38%11.44%11.36%11.58%+35 bps
Total Risk-Based Capital11.03%11.32%11.48%11.23%11.38%11.44%11.36%11.58%+35 bps
Equity / Assets10.95%11.19%11.58%11.21%11.35%11.47%11.44%11.90%+69 bps
Liquidity & Funding
Loans / Deposits79.91%78.71%76.79%72.59%68.21%65.42%61.01%58.29%-1,430 bps
Liquid Assets / Assets9.83%11.38%9.99%6.90%11.02%8.07%5.34%35.17%+2,828 bps
CRE / Total Capitaln/an/an/an/an/an/a356%336%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankfinancial, National Association

Olympia Fields, IL · Cert 28808 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=32)

FDIC · 19 branches

Q4 2025

$1.4BAssets
$708.5MLoans
$1.2BDeposits
$167.0MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 7 of 32).
  • Widest gap: return on equity trails 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 28 of 32).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.65%

Rank 28 of 32

Net Interest Margin

3.28%

Rank 15 of 32

Efficiency Ratio

75.93%

Rank 28 of 32

Equity / Assets

11.90%

Rank 5 of 32

Non-interest income vs. expense

$4.9M$39.4MINCOMEEXPENSE
Unfavorable gap of $34.5M · efficiency ratio beats 16% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 75.93%Peer median 51.0%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.65%1.01%1.32%1.55%Beats 13%28 / 32
Return on Equity5.47%9.82%12.52%16.47%Beats 13%28 / 32
Net Interest Margin3.28%2.98%3.27%3.58%Beats 53%15 / 32
Efficiency Ratio75.93%40.38%51.00%63.14%Beats 16%28 / 32
Asset Quality
Nonperforming Loans / Loans1.59%0.25%0.50%0.99%Beats 16%28 / 32
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.58%11.03%11.83%13.35%Beats 47%17 / 32
Total Risk-Based Capital Ratio11.58%11.70%12.60%14.57%Beats 19%26 / 32
Equity / Assets11.90%9.16%10.26%11.17%Beats 84%5 / 32
Liquidity & Funding
Loans / Deposits58.29%81.16%89.85%93.39%0th pctl32 / 32
Loans / Assets50.48%68.73%73.77%78.08%3rd pctl31 / 32
Brokered Deposits / Deposits0.00%0.22%10.58%12.20%Beats 100%7 / 32