Chicago, IL · Cert 29449
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
51
Asset Quality
62
Profitability
19
Liquidity
73
Efficiency
9
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 29449
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #138 of 147 inst. · $0.0B 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 | -0.09% | -0.10% | -0.25% | -0.18% | -0.14% | -0.15% | -0.21% | -0.18% | 0 bps | |
| Return on Equity | -1.09% | -1.26% | -3.13% | -2.31% | -1.72% | -1.79% | -2.41% | -2.07% | +24 bps | |
| Net Interest Margin | 3.35% | 3.24% | 3.11% | 3.19% | 3.25% | 3.30% | 3.37% | 3.49% | +29 bps | |
| Efficiency Ratio | 103.32% | 103.86% | 110.39% | 107.79% | 105.61% | 105.93% | 107.71% | 106.68% | -111 bps | |
| Non-Interest Burden | 3.44% | 3.35% | 3.43% | 3.44% | 3.42% | 3.48% | 3.63% | 3.71% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.09% | 8.28% | 5.94% | 0.85% | 2.61% | -2.51% | -2.94% | -3.37% | -422 bps | |
| Loan Growth (YoY) | 15.24% | 15.20% | 9.00% | 1.95% | 3.34% | 3.33% | 0.10% | 4.01% | +206 bps | |
| Deposit Growth (YoY) | -9.87% | -2.79% | -1.35% | 0.29% | 5.39% | -2.27% | -2.43% | -2.96% | -324 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.95% | 1.88% | 1.85% | 1.74% | 1.67% | 1.60% | 1.89% | 1.83% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.92% | 0.93% | 0.92% | 0.89% | 0.92% | 0.90% | -4 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.6x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.43% | 9.17% | 8.96% | 9.00% | 9.02% | 9.02% | 8.91% | 9.05% | +5 bps | |
| Total Risk-Based Capital | 20.87% | 20.41% | 20.18% | 20.22% | 19.82% | 19.39% | 19.52% | 19.17% | -104 bps | |
| Equity / Assets | 8.42% | 7.63% | 8.20% | 8.08% | 8.37% | 8.40% | 8.87% | 8.89% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.55% | 87.91% | 90.49% | 86.27% | 87.80% | 92.95% | 92.83% | 92.46% | +619 bps | |
| Liquid Assets / Assets | 6.26% | 9.88% | 7.94% | 10.50% | 8.03% | 7.33% | 7.49% | 8.37% | -213 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 141.51% | 136.72% | 138.69% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.49% | 3.16% | 3.63% | 4.08% | Beats 44% | 32 / 57 | ||
| Efficiency Ratio | 106.68% | 59.57% | 69.70% | 81.06% | Beats 9% | 53 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.83% | 0.06% | 0.34% | 1.78% | Beats 23% | 44 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.92% | 12.24% | 16.06% | 19.69% | Beats 67% | 19 / 57 | ||
| Total Risk-Based Capital Ratio | 19.17% | 12.54% | 16.50% | 20.95% | Beats 67% | 19 / 57 | ||
| Equity / Assets | 8.89% | 9.37% | 11.56% | 15.00% | Beats 19% | 46 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.46% | 66.29% | 85.59% | 95.16% | 67th pctl | 19 / 57 | ||
| Loans / Assets | 76.40% | 57.07% | 71.07% | 78.13% | 72nd pctl | 16 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||