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
Unfavorable gap of $1.8M · efficiency ratio beats 32% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |