Chicago, IL · Cert 29009
SI · FDIC · 5 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #62 of 147 inst. · $0.7B 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 | 0.23% | 0.25% | 0.30% | 0.44% | 0.41% | +18 bps | |
| Return on Equity | 1.01% | 1.08% | 1.29% | 1.85% | 1.74% | +73 bps | |
| Net Interest Margin | 2.29% | 2.33% | 2.39% | 2.66% | 2.60% | +31 bps | |
| Efficiency Ratio | 86.69% | 86.72% | 86.20% | 83.00% | 82.63% | -406 bps | |
| Non-Interest Burden | 1.94% | 1.98% | 2.02% | 2.17% | 2.11% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.47% | 1.56% | -0.64% | 0.04% | 0.88% | -59 bps | |
| Loan Growth (YoY) | 0.83% | -2.27% | -1.60% | -1.98% | -2.41% | -324 bps | |
| Deposit Growth (YoY) | 0.91% | 1.48% | -2.29% | -0.87% | 0.51% | -41 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.02% | 0.03% | 0.04% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.01% | -0.01% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 0.56% | 0.55% | 0.51% | 0.51% | 0.52% | -4 bps | |
| Allowance Coverage of NPLs | 15.3x | 19.3x | 21.4x | 18.1x | 14.3x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 23.75% | 23.68% | 23.84% | 24.09% | 24.01% | +26 bps | |
| Total Risk-Based Capital | 51.52% | 51.79% | 59.50% | 61.07% | 61.63% | +1,012 bps | |
| Equity / Assets | 23.04% | 23.22% | 23.69% | 23.61% | 23.39% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.08% | 84.50% | 86.06% | 84.83% | 82.61% | -247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 43.45% | 42.34% | 39.44% | n/a | n/a | |