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 (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 | 0.06% | -0.09% | 0.06% | 0.25% | 0.25% | 0.27% | 0.34% | 0.47% | +21 bps | |
| Return on Equity | 0.56% | -0.89% | 0.57% | 2.56% | 2.41% | 2.61% | 3.19% | 4.37% | +181 bps | |
| Net Interest Margin | 2.40% | 2.37% | 2.29% | 2.60% | 2.71% | 2.71% | 2.77% | 3.02% | +42 bps | |
| Efficiency Ratio | 97.88% | 102.33% | 97.15% | 86.23% | 86.23% | 85.84% | 80.86% | 75.35% | -1,089 bps | |
| Non-Interest Burden | 2.33% | 2.42% | 2.21% | 2.18% | 2.27% | 2.27% | 2.14% | 2.14% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | 6.10% | 9.64% | 7.19% | 5.58% | 1.99% | -3.10% | -1.10% | -828 bps | |
| Loan Growth (YoY) | 2.89% | 0.11% | -4.41% | -3.81% | -3.81% | -1.79% | 3.92% | 5.13% | +894 bps | |
| Deposit Growth (YoY) | 0.33% | 5.24% | 10.45% | 7.17% | 7.08% | 1.91% | -4.61% | -2.00% | -917 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.11% | 1.09% | 1.96% | 1.54% | 1.01% | 1.58% | 1.35% | 1.32% | -22 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | -0.16% | -0.09% | -0.02% | -1 bps | |
| Allowance / Loans | 0.98% | 1.06% | 1.09% | 1.14% | 1.17% | 1.20% | 1.25% | 1.29% | +16 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.6x | 0.7x | 1.2x | 0.8x | 0.9x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.93% | 10.60% | 10.04% | 10.22% | 10.54% | 10.60% | 10.49% | 10.69% | +48 bps | |
| Total Risk-Based Capital | 10.93% | 10.60% | 10.04% | 10.22% | 10.54% | 10.60% | 10.49% | 10.69% | +48 bps | |
| Equity / Assets | 10.75% | 10.14% | 9.71% | 10.16% | 10.51% | 10.53% | 10.53% | 10.76% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.44% | 91.14% | 82.19% | 86.52% | 88.43% | 87.83% | 89.54% | 92.80% | +629 bps | |
| Liquid Assets / Assets | 1.20% | 5.10% | 11.68% | 8.74% | 8.52% | 8.49% | 6.34% | 4.84% | -390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 170.94% | 164.91% | 179.09% | n/a | n/a | |