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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

$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