Chicago, IL · Cert 28841
SI · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
55
Profitability
6
Liquidity
37
Efficiency
5
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.
Chicago, IL · Cert 28841
SI · FDIC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #79 of 147 inst. · $0.4B of $630.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -0.71% | -0.62% | -0.53% | -0.48% | -0.48% | -0.32% | -0.22% | +32 bps | |
| Return on Equity | -6.42% | -6.54% | -5.52% | -4.73% | -4.25% | -4.24% | -2.78% | -1.87% | +287 bps | |
| Net Interest Margin | 1.39% | 1.40% | 1.63% | 1.71% | 1.78% | 1.83% | 2.10% | 2.18% | +47 bps | |
| Efficiency Ratio | 158.03% | 157.37% | 143.99% | 135.90% | 131.39% | 128.16% | 117.20% | 110.48% | -2,543 bps | |
| Non-Interest Burden | 2.25% | 2.27% | 2.39% | 2.37% | 2.36% | 2.37% | 2.47% | 2.42% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.46% | -5.48% | -5.37% | -3.07% | -1.75% | -0.77% | -0.01% | 0.11% | +317 bps | |
| Loan Growth (YoY) | 1.06% | 3.59% | 4.13% | 1.12% | 0.22% | 0.04% | 1.86% | 4.32% | +320 bps | |
| Deposit Growth (YoY) | -2.79% | -0.59% | -1.10% | 0.19% | 0.83% | -1.64% | -0.33% | -1.42% | -161 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.15% | 0.18% | 0.30% | 0.11% | 0.21% | 0.21% | 0.20% | -10 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.01% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.94% | 0.93% | 0.94% | 0.94% | 0.94% | 1.02% | 1.02% | 1.02% | +8 bps | |
| Allowance Coverage of NPLs | 2.5x | 6.3x | 5.1x | 3.2x | 8.8x | 4.9x | 4.8x | 5.1x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.10% | 14.10% | 14.09% | 14.11% | 13.68% | 13.49% | 13.52% | 13.50% | -61 bps | |
| Total Risk-Based Capital | 14.10% | 14.10% | 14.09% | 14.11% | 13.68% | 13.49% | 13.52% | 13.50% | -61 bps | |
| Equity / Assets | 11.49% | 10.96% | 11.41% | 11.45% | 11.59% | 11.71% | 11.63% | 11.54% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.70% | 62.27% | 63.18% | 62.64% | 62.32% | 63.34% | 64.56% | 66.29% | +365 bps | |
| Liquid Assets / Assets | 4.10% | 4.08% | 4.48% | 5.81% | 6.11% | 3.18% | 1.84% | 2.00% | -381 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.77% | 161.09% | 166.46% | n/a | n/a | |
Chicago, IL · Cert 28841 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)
SI · FDIC · 2 branches
Q2 2026
Return on Assets
-0.22%
Rank 55 of 57
Net Interest Margin
2.18%
Rank 55 of 57
Efficiency Ratio
110.48%
Rank 55 of 57
Equity / Assets
11.54%
Rank 30 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.22% | 0.51% | 0.84% | 1.19% | Beats 4% | 55 / 57 | ||
| Return on Equity | -1.88% | 3.13% | 7.76% | 11.40% | Beats 9% | 52 / 57 | ||
| Net Interest Margin | 2.18% | 3.16% | 3.63% | 4.08% | Beats 4% | 55 / 57 | ||
| Efficiency Ratio | 110.48% | 59.57% | 69.70% | 81.06% | Beats 5% | 55 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.06% | 0.34% | 1.78% | Beats 59% | 24 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 50% | 29 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.50% | 12.24% | 16.06% | 19.69% | Beats 39% | 35 / 57 | ||
| Total Risk-Based Capital Ratio | 13.50% | 12.54% | 16.50% | 20.95% | Beats 37% | 36 / 57 | ||
| Equity / Assets | 11.54% | 9.37% | 11.56% | 15.00% | Beats 47% | 30 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.29% | 66.29% | 85.59% | 95.16% | 25th pctl | 43 / 57 | ||
| Loans / Assets | 57.69% | 57.07% | 71.07% | 78.13% | 26th pctl | 42 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||