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 (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 | -0.46% | 0.91% | 0.33% | 0.02% | 0.34% | 1.10% | -0.80% | 1.30% | +128 bps | |
| Return on Equity | -3.15% | 6.36% | 2.34% | 0.13% | 2.36% | 7.38% | -5.48% | 8.80% | +867 bps | |
| Net Interest Margin | 4.13% | 4.00% | 3.73% | 3.83% | 4.07% | 3.97% | 3.89% | 3.69% | -14 bps | |
| Efficiency Ratio | 114.29% | 97.50% | 91.82% | 99.70% | 99.12% | 83.38% | 87.48% | 73.63% | -2,607 bps | |
| Non-Interest Burden | 4.78% | 3.90% | 3.40% | 3.82% | 4.03% | 3.17% | 3.33% | 2.39% | -143 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 | 0.36% | 0.01% | 1.07% | 0.05% | 0.53% | 0.13% | 3.35% | 0.27% | +22 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 | |