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Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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