Ottawa, IL · Cert 28924
State savings bank · OCC · 11 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #116 of 147 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.19% | 0.21% | 0.34% | 0.40% | +24 bps | |
| Return on Equity | 1.57% | 1.85% | 2.05% | 3.19% | 3.78% | +221 bps | |
| Net Interest Margin | 2.45% | 2.57% | 2.60% | 2.77% | 2.90% | +45 bps | |
| Efficiency Ratio | 91.37% | 89.54% | 88.59% | 80.86% | 78.00% | -1,337 bps | |
| Non-Interest Burden | 2.20% | 2.26% | 2.26% | 2.14% | 2.15% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.19% | 5.58% | 1.99% | -3.10% | -1.10% | -828 bps | |
| Loan Growth (YoY) | -3.81% | -3.81% | -1.79% | 3.92% | 5.13% | +894 bps | |
| Deposit Growth (YoY) | 7.17% | 7.08% | 1.91% | -4.61% | -2.00% | -917 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.54% | 1.01% | 1.58% | 1.35% | 1.32% | -22 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.04% | -0.09% | -0.06% | -5 bps | |
| Allowance / Loans | 1.14% | 1.17% | 1.20% | 1.25% | 1.29% | +16 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.2x | 0.8x | 0.9x | 1.0x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.22% | 10.54% | 10.60% | 10.49% | 10.69% | +48 bps | |
| Total Risk-Based Capital | 10.22% | 10.54% | 10.60% | 10.49% | 10.69% | +48 bps | |
| Equity / Assets | 10.16% | 10.51% | 10.53% | 10.53% | 10.76% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.52% | 88.43% | 87.83% | 89.54% | 92.80% | +629 bps | |
| Liquid Assets / Assets | 8.74% | 8.52% | 8.49% | 6.34% | 4.84% | -390 bps | |
| CRE / Total Capital | n/a | 170.94% | 164.91% | 179.09% | n/a | n/a | |