Olympia Fields, IL · Cert 28808
FDIC · 19 branches
Q4 2025
Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.2% share · #46 of 152 inst. · $1.2B of $601.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.72% | 0.68% | -0.35% | 0.73% | 0.10% | 0.95% | 0.76% | +111 bps | |
| Return on Equity | 5.42% | 6.48% | 5.94% | -3.08% | 6.51% | 0.89% | 8.33% | 6.55% | +962 bps | |
| Net Interest Margin | 3.50% | 3.52% | 3.36% | 3.40% | 3.34% | 3.26% | 3.29% | 3.26% | -14 bps | |
| Efficiency Ratio | 79.81% | 75.41% | 72.54% | 78.58% | 77.67% | 81.50% | 69.00% | 75.61% | -296 bps | |
| Non-Interest Burden | 2.72% | 2.59% | 2.33% | 2.63% | 2.50% | 2.59% | 2.18% | 2.38% | -24 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 / Loans | 2.02% | 2.09% | 2.40% | 1.89% | 1.93% | 1.42% | 1.49% | 1.59% | -30 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.31% | 2.22% | 0.01% | 0.21% | 0.05% | -0.01% | -223 bps | |
| Allowance / Loans | 0.81% | 0.82% | 0.85% | 0.85% | 0.86% | 1.13% | 1.15% | 1.18% | +33 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.8x | 0.8x | 0.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 11.32% | 11.48% | 11.23% | 11.38% | 11.44% | 11.36% | 11.58% | +35 bps | |
| Total Risk-Based Capital | 11.03% | 11.32% | 11.48% | 11.23% | 11.38% | 11.44% | 11.36% | 11.58% | +35 bps | |
| Equity / Assets | 10.95% | 11.19% | 11.58% | 11.21% | 11.35% | 11.47% | 11.44% | 11.90% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.91% | 78.71% | 76.79% | 72.59% | 68.21% | 65.42% | 61.01% | 58.29% | -1,430 bps | |
| Liquid Assets / Assets | 9.83% | 11.38% | 9.99% | 6.90% | 11.02% | 8.07% | 5.34% | 35.17% | +2,828 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 356% | 336% | n/a | |