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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -0.75% | -0.62% | -0.45% | -0.38% | -0.49% | -0.32% | -0.11% | +34 bps | |
| Return on Equity | -7.31% | -6.72% | -5.52% | -3.95% | -3.30% | -4.21% | -2.78% | -0.95% | +300 bps | |
| Net Interest Margin | 1.29% | 1.39% | 1.63% | 1.78% | 1.90% | 2.00% | 2.10% | 2.26% | +48 bps | |
| Efficiency Ratio | 170.60% | 155.40% | 143.99% | 128.49% | 123.14% | 119.52% | 117.20% | 104.36% | -2,413 bps | |
| Non-Interest Burden | 2.27% | 2.23% | 2.39% | 2.33% | 2.36% | 2.40% | 2.47% | 2.36% | +3 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 | 0.04% | 0.00% | -0.01% | 0.00% | 0.04% | -0.05% | 0.00% | -0.01% | 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 | |