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
Unfavorable gap of $1.6M · efficiency ratio beats 9% 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 | -0.18% | 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 |