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

Unfavorable gap of $34.5M · efficiency ratio beats 16% of banks $1B-$10B 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	0.65%	1.01%	1.32%	1.55%	Beats 13%	28 / 32
Return on Equity	5.47%	9.82%	12.52%	16.47%	Beats 13%	28 / 32
Net Interest Margin	3.28%	2.98%	3.27%	3.58%	Beats 53%	15 / 32
Efficiency Ratio	75.93%	40.38%	51.00%	63.14%	Beats 16%	28 / 32
Asset Quality
Nonperforming Loans / Loans	1.59%	0.25%	0.50%	0.99%	Beats 16%	28 / 32
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	11.58%	11.03%	11.83%	13.35%	Beats 47%	17 / 32
Total Risk-Based Capital Ratio	11.58%	11.70%	12.60%	14.57%	Beats 19%	26 / 32
Equity / Assets	11.90%	9.16%	10.26%	11.17%	Beats 84%	5 / 32
Liquidity & Funding
Loans / Deposits	58.29%	81.16%	89.85%	93.39%	0th pctl	32 / 32
Loans / Assets	50.48%	68.73%	73.77%	78.08%	3rd pctl	31 / 32
Brokered Deposits / Deposits	0.00%	0.22%	10.58%	12.20%	Beats 100%	7 / 32