Chicago, IL · Cert 29399
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
58
Asset Quality
2
Profitability
33
Liquidity
0
Efficiency
32
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.
Chicago, IL · Cert 29399
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #129 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.38% | 0.33% | 0.17% | 0.23% | 0.44% | -0.80% | 0.23% | +6 bps | |
| Return on Equity | 1.37% | 2.66% | 2.34% | 1.25% | 1.61% | 3.10% | -5.48% | 1.58% | +33 bps | |
| Net Interest Margin | 4.34% | 4.26% | 3.73% | 3.78% | 3.87% | 3.91% | 3.89% | 3.87% | +10 bps | |
| Efficiency Ratio | 99.28% | 98.88% | 91.82% | 95.79% | 96.92% | 93.17% | 87.48% | 80.34% | -1,544 bps | |
| Non-Interest Burden | 4.31% | 4.21% | 3.40% | 3.60% | 3.74% | 3.62% | 3.33% | 2.94% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | 1.23% | 1.42% | -1.17% | -4.61% | -1.54% | -5.73% | -6.49% | -532 bps | |
| Loan Growth (YoY) | -17.51% | -21.19% | -25.31% | -21.04% | -25.18% | -23.24% | -18.38% | -18.09% | +294 bps | |
| Deposit Growth (YoY) | -1.89% | 1.98% | 1.29% | -0.54% | -4.46% | -2.85% | -5.70% | -7.74% | -721 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.46% | 5.80% | 5.80% | 7.21% | 8.95% | 8.98% | 10.72% | 13.11% | +591 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.12% | 1.07% | 0.59% | 0.61% | 0.51% | 3.35% | 1.91% | +131 bps | |
| Allowance / Loans | 1.64% | 1.37% | 1.23% | 1.29% | 1.10% | 0.94% | 0.93% | 0.91% | -38 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.2x | 0.2x | 0.1x | 0.1x | 0.1x | 0.1x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.09% | 14.31% | 14.70% | 14.65% | 14.71% | 15.07% | 15.07% | 16.06% | +141 bps | |
| Total Risk-Based Capital | 14.09% | 14.31% | 14.70% | 14.65% | 14.71% | 15.07% | 15.07% | 16.06% | +141 bps | |
| Equity / Assets | 14.93% | 13.54% | 14.29% | 13.91% | 14.97% | 14.82% | 14.35% | 15.19% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.29% | 63.45% | 58.20% | 55.83% | 52.69% | 50.13% | 50.37% | 49.56% | -626 bps | |
| Liquid Assets / Assets | 13.18% | 8.58% | 14.03% | 13.96% | 16.65% | 12.14% | 11.05% | 5.40% | -856 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 122.61% | 121.21% | 125.83% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.24% | 0.51% | 0.84% | 1.19% | Beats 16% | 48 / 57 | ||
| Return on Equity | 1.59% | 3.13% | 7.76% | 11.40% | Beats 18% | 47 / 57 | ||
| Net Interest Margin | 3.87% | 3.16% | 3.63% | 4.08% | Beats 65% | 20 / 57 | ||
| Efficiency Ratio | 80.34% | 59.57% | 69.70% | 81.06% | Beats 32% | 40 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 13.11% | 0.06% | 0.34% | 1.78% | Beats 2% | 56 / 56 | ||
| Net Charge-Offs / Loans | 1.18% | n/a | 0.00% | 0.01% | Beats 2% | 56 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.06% | 12.24% | 16.06% | 19.69% | Beats 49% | 29 / 57 | ||
| Total Risk-Based Capital Ratio | 16.06% | 12.54% | 16.50% | 20.95% | Beats 47% | 30 / 57 | ||
| Equity / Assets | 15.19% | 9.37% | 11.56% | 15.00% | Beats 77% | 13 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.56% | 66.29% | 85.59% | 95.16% | 2nd pctl | 56 / 57 | ||
| Loans / Assets | 41.95% | 57.07% | 71.07% | 78.13% | 4th pctl | 55 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||