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 (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 | 0.03% | 0.05% | 0.13% | 0.32% | 0.28% | 0.44% | 0.44% | 0.38% | +6 bps | |
| Return on Equity | 0.14% | 0.21% | 0.59% | 1.41% | 1.22% | 1.89% | 1.85% | 1.63% | +21 bps | |
| Net Interest Margin | 1.94% | 2.02% | 2.22% | 2.33% | 2.44% | 2.56% | 2.66% | 2.56% | +22 bps | |
| Efficiency Ratio | 98.62% | 97.36% | 92.39% | 81.49% | 86.79% | 84.72% | 83.00% | 82.25% | +76 bps | |
| Non-Interest Burden | 1.91% | 1.96% | 2.03% | 1.84% | 2.08% | 2.14% | 2.17% | 2.07% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.43% | 0.07% | 1.38% | 1.47% | 1.56% | -0.64% | 0.04% | 0.88% | -59 bps | |
| Loan Growth (YoY) | 8.97% | 6.27% | 5.80% | 0.83% | -2.27% | -1.60% | -1.98% | -2.41% | -324 bps | |
| Deposit Growth (YoY) | -2.81% | 0.71% | 0.81% | 0.91% | 1.48% | -2.29% | -0.87% | 0.51% | -41 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.30% | 0.10% | 0.04% | 0.03% | 0.02% | 0.03% | 0.04% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.07% | 0.00% | 0.04% | -0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.53% | 0.53% | 0.56% | 0.56% | 0.55% | 0.51% | 0.51% | 0.52% | -4 bps | |
| Allowance Coverage of NPLs | 3.2x | 1.8x | 5.4x | 15.3x | 19.3x | 21.4x | 18.1x | 14.3x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 23.55% | 23.55% | 23.43% | 23.75% | 23.68% | 23.84% | 24.09% | 24.01% | +26 bps | |
| Total Risk-Based Capital | 50.96% | 50.62% | 50.91% | 51.52% | 51.79% | 59.50% | 61.07% | 61.63% | +1,012 bps | |
| Equity / Assets | 22.93% | 22.32% | 22.84% | 23.04% | 23.22% | 23.69% | 23.61% | 23.39% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.75% | 85.45% | 85.79% | 85.08% | 84.50% | 86.06% | 84.83% | 82.61% | -247 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.45% | 42.34% | 39.44% | n/a | n/a | |