PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.7MQ4 2024Q4 2025
Deposit mix
83%Interest-bearing $1.0B17%Noninterest $0.2BQ4 2024Q4 2025

NIM

4.60%Q4 ’234.76%Q4 ’244.54%Q4 ’25-1%-4%

Non-interest income vs. expense

2.79%Q4 ’232.84%Q4 ’242.72%Q4 ’25+9%-9%

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 0.76%, up 111 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 1.59% of loans (-30 bps YoY), with net recoveries of 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.76%+111 bps YoY

Net Interest Margin (quarter, annualized)

3.26%-14 bps YoY

Efficiency Ratio (quarter, annualized)

75.61%-296 bps YoY

Tier 1 Leverage Ratio

11.58%+35 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.35%0.73%0.10%0.95%0.76%+111 bps
Return on Equity-3.08%6.51%0.89%8.33%6.55%+962 bps
Net Interest Margin3.40%3.34%3.26%3.29%3.26%-14 bps
Efficiency Ratio78.58%77.67%81.50%69.00%75.61%-296 bps
Non-Interest Burden2.63%2.50%2.59%2.18%2.38%-24 bps
Growth
Asset Growth (YoY)-3.60%-2.65%-3.18%2.74%-1.58%+202 bps
Loan Growth (YoY)-15.48%-16.52%-19.16%-17.51%-20.85%-537 bps
Deposit Growth (YoY)-3.51%-2.20%-2.74%3.82%-1.44%+207 bps
Asset Quality
Nonperforming Loans / Loans1.89%1.93%1.42%1.49%1.59%-30 bps
Net Charge-Offs / Loans2.22%0.01%0.21%0.05%-0.01%-223 bps
Allowance / Loans0.85%0.86%1.13%1.15%1.18%+33 bps
Allowance Coverage of NPLs0.4x0.4x0.8x0.8x0.7x+0.3x
Capital
Tier 1 Leverage Ratio11.23%11.38%11.44%11.36%11.58%+35 bps
Total Risk-Based Capital11.23%11.38%11.44%11.36%11.58%+35 bps
Equity / Assets11.21%11.35%11.47%11.44%11.90%+69 bps
Liquidity & Funding
Loans / Deposits72.59%68.21%65.42%61.01%58.29%-1,430 bps
Liquid Assets / Assets6.90%11.02%8.07%5.34%35.17%+2,828 bps
CRE / Total Capitaln/an/an/a356%336%n/a