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 (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 | -0.21% | -0.14% | -0.25% | -0.12% | -0.05% | -0.17% | -0.21% | -0.15% | -3 bps | |
| Return on Equity | -2.55% | -1.75% | -3.13% | -1.48% | -0.56% | -2.01% | -2.41% | -1.72% | -24 bps | |
| Net Interest Margin | 3.22% | 3.15% | 3.11% | 3.24% | 3.33% | 3.41% | 3.37% | 3.53% | +29 bps | |
| Efficiency Ratio | 108.96% | 105.51% | 110.39% | 105.32% | 101.34% | 106.84% | 107.71% | 105.67% | +35 bps | |
| Non-Interest Burden | 3.50% | 3.31% | 3.43% | 3.40% | 3.35% | 3.63% | 3.63% | 3.72% | +32 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 | |