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GN Bank

Chicago, IL · Cert 29399

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

2

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

GN Bank

Chicago, IL · Cert 29399

State savings bank · OCC · 1 branch

Q2 2026

$59.8MAssets
$25.1MLoans
$50.6MDeposits
$9.1MEquity
Loan mix
80%RE $21.3M10%C&I $2.6M10%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $44.5M12%Noninterest $6.1MQ2 2025Q2 2026

NIM

5.11%Q2 ’244.67%Q2 ’254.78%Q2 ’26-16%+3%

Non-interest income vs. expense

4.56%Q2 ’243.95%Q2 ’253.84%Q2 ’26-13%-19%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #129 of 147 inst. · $0.1B of $630.7B

Executive Summary

  • Earnings: ROA of 0.23%, up 6 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 13.11% of loans (+591 bps YoY), with net charge-offs at 1.91%.
  • Capital: tier 1 leverage ratio of 16.06%, up 141 bps from a year ago.
  • Funding: loans stand at 49.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+10 bps YoY

Efficiency Ratio (YTD, annualized)

80.34%-1,544 bps YoY

Tier 1 Leverage Ratio

16.06%+141 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.23%0.44%-0.80%0.23%+6 bps
Return on Equity1.25%1.61%3.10%-5.48%1.58%+33 bps
Net Interest Margin3.78%3.87%3.91%3.89%3.87%+10 bps
Efficiency Ratio95.79%96.92%93.17%87.48%80.34%-1,544 bps
Non-Interest Burden3.60%3.74%3.62%3.33%2.94%-67 bps
Growth
Asset Growth (YoY)-1.17%-4.61%-1.54%-5.73%-6.49%-532 bps
Loan Growth (YoY)-21.04%-25.18%-23.24%-18.38%-18.09%+294 bps
Deposit Growth (YoY)-0.54%-4.46%-2.85%-5.70%-7.74%-721 bps
Asset Quality
Nonperforming Loans / Loans7.21%8.95%8.98%10.72%13.11%+591 bps
Net Charge-Offs / Loans0.59%0.61%0.51%3.35%1.91%+131 bps
Allowance / Loans1.29%1.10%0.94%0.93%0.91%-38 bps
Allowance Coverage of NPLs0.2x0.1x0.1x0.1x0.1x-0.1x
Capital
Tier 1 Leverage Ratio14.65%14.71%15.07%15.07%16.06%+141 bps
Total Risk-Based Capital14.65%14.71%15.07%15.07%16.06%+141 bps
Equity / Assets13.91%14.97%14.82%14.35%15.19%+128 bps
Liquidity & Funding
Loans / Deposits55.83%52.69%50.13%50.37%49.56%-626 bps
Liquid Assets / Assets13.96%16.65%12.14%11.05%5.40%-856 bps
CRE / Total Capitaln/a122.61%121.21%125.83%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

GN Bank

Chicago, IL · Cert 29399 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

State savings bank · OCC · 1 branch

Q2 2026

$59.8MAssets
$25.1MLoans
$50.6MDeposits
$9.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 77% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 13 of 57).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 56 of 56).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.24%

Rank 48 of 57

Net Interest Margin

3.87%

Rank 20 of 57

Efficiency Ratio

80.34%

Rank 40 of 57

Equity / Assets

15.19%

Rank 13 of 57

Non-interest income vs. expense

$0.5M$2.3MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 32% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 80.34%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%0.51%0.84%1.19%Beats 16%48 / 57
Return on Equity1.59%3.13%7.76%11.40%Beats 18%47 / 57
Net Interest Margin3.87%3.16%3.63%4.08%Beats 65%20 / 57
Efficiency Ratio80.34%59.57%69.70%81.06%Beats 32%40 / 57
Asset Quality
Nonperforming Loans / Loans13.11%0.06%0.34%1.78%Beats 2%56 / 56
Net Charge-Offs / Loans1.18%n/a0.00%0.01%Beats 2%56 / 56
Capital
Tier 1 Capital Ratio16.06%12.24%16.06%19.69%Beats 49%29 / 57
Total Risk-Based Capital Ratio16.06%12.54%16.50%20.95%Beats 47%30 / 57
Equity / Assets15.19%9.37%11.56%15.00%Beats 77%13 / 57
Liquidity & Funding
Loans / Deposits49.56%66.29%85.59%95.16%2nd pctl56 / 57
Loans / Assets41.95%57.07%71.07%78.13%4th pctl55 / 57
Brokered Deposits / Depositsn/aNot reported for this institution