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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.65% | 0.66% | 0.41% | 0.73% | 0.42% | 0.60% | 0.64% | +23 bps | |
| Return on Equity | 5.42% | 5.95% | 5.96% | 3.71% | 6.51% | 3.69% | 5.25% | 5.58% | +187 bps | |
| Net Interest Margin | 3.50% | 3.53% | 3.53% | 3.50% | 3.34% | 3.31% | 3.26% | 3.28% | -22 bps | |
| Efficiency Ratio | 79.81% | 77.63% | 75.98% | 76.60% | 77.67% | 79.55% | 76.04% | 75.93% | -67 bps | |
| Non-Interest Burden | 2.72% | 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 / 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% | 0.03% | 0.13% | 0.65% | 0.01% | 0.11% | 0.09% | 0.07% | -58 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 | |