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North Side Federal Savings and Loan Association of Chicago

Chicago, IL · Cert 29449

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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

9

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 2026-10-11

North Side Federal Savings and Loan Association of Chicago

Chicago, IL · Cert 29449

State savings bank · OCC · 1 branch

Q2 2026

$41.8MAssets
$31.9MLoans
$34.6MDeposits
$3.7MEquity
Loan mix
100%RE $31.3M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $26.2M24%Noninterest $8.4MQ2 2025Q2 2026

NIM

4.19%Q2 ’244.37%Q2 ’254.47%Q2 ’26-7%+9%

Non-interest income vs. expense

3.63%Q2 ’243.66%Q2 ’253.89%Q2 ’26+1%+8%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #138 of 147 inst. · $0.0B of $630.7B

Executive Summary

  • Earnings: ROA of -0.18%, unchanged from a year ago; NIM at 3.49%.
  • Asset quality: problem loans at 1.83% of loans (+10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.05%, up 5 bps from a year ago.
  • Funding: loans stand at 92.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.18%0 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+29 bps YoY

Efficiency Ratio (YTD, annualized)

106.68%-111 bps YoY

Tier 1 Leverage Ratio

9.05%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.18%-0.14%-0.15%-0.21%-0.18%0 bps
Return on Equity-2.31%-1.72%-1.79%-2.41%-2.07%+24 bps
Net Interest Margin3.19%3.25%3.30%3.37%3.49%+29 bps
Efficiency Ratio107.79%105.61%105.93%107.71%106.68%-111 bps
Non-Interest Burden3.44%3.42%3.48%3.63%3.71%+27 bps
Growth
Asset Growth (YoY)0.85%2.61%-2.51%-2.94%-3.37%-422 bps
Loan Growth (YoY)1.95%3.34%3.33%0.10%4.01%+206 bps
Deposit Growth (YoY)0.29%5.39%-2.27%-2.43%-2.96%-324 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.67%1.60%1.89%1.83%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.93%0.92%0.89%0.92%0.90%-4 bps
Allowance Coverage of NPLs0.5x0.5x0.6x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio9.00%9.02%9.02%8.91%9.05%+5 bps
Total Risk-Based Capital20.22%19.82%19.39%19.52%19.17%-104 bps
Equity / Assets8.08%8.37%8.40%8.87%8.89%+81 bps
Liquidity & Funding
Loans / Deposits86.27%87.80%92.95%92.83%92.46%+619 bps
Liquid Assets / Assets10.50%8.03%7.33%7.49%8.37%-213 bps
CRE / Total Capitaln/a141.51%136.72%138.69%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 2026-10-11

North Side Federal Savings and Loan Association of Chicago

Chicago, IL · Cert 29449 · 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

$41.8MAssets
$31.9MLoans
$34.6MDeposits
$3.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: return on equity trails 93% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 53 of 57).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.18%

Rank 53 of 57

Net Interest Margin

3.49%

Rank 32 of 57

Efficiency Ratio

106.68%

Rank 53 of 57

Equity / Assets

8.89%

Rank 46 of 57

Non-interest income vs. expense

$0.1M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 9% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 106.68%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.18%0.51%0.84%1.19%Beats 7%53 / 57
Return on Equity-2.04%3.13%7.76%11.40%Beats 7%53 / 57
Net Interest Margin3.49%3.16%3.63%4.08%Beats 44%32 / 57
Efficiency Ratio106.68%59.57%69.70%81.06%Beats 9%53 / 57
Asset Quality
Nonperforming Loans / Loans1.83%0.06%0.34%1.78%Beats 23%44 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio17.92%12.24%16.06%19.69%Beats 67%19 / 57
Total Risk-Based Capital Ratio19.17%12.54%16.50%20.95%Beats 67%19 / 57
Equity / Assets8.89%9.37%11.56%15.00%Beats 19%46 / 57
Liquidity & Funding
Loans / Deposits92.46%66.29%85.59%95.16%67th pctl19 / 57
Loans / Assets76.40%57.07%71.07%78.13%72nd pctl16 / 57
Brokered Deposits / Depositsn/aNot reported for this institution