Munster, IN · Cert 29523 · Finward Bcorp
State charter, non-member · FDIC · 24 branches
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 $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
45
Profitability
13
Liquidity
93
Efficiency
6
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.
Munster, IN · Cert 29523 · Finward Bcorp
State charter, non-member · FDIC · 24 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #42 of 147 inst. · $1.7B 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 | 0.64% | 0.59% | 0.09% | 0.26% | 0.40% | 0.40% | 0.45% | 0.43% | +17 bps | |
| Return on Equity | 8.99% | 8.15% | 1.27% | 3.51% | 5.31% | 5.13% | 5.27% | 5.02% | +151 bps | |
| Net Interest Margin | 2.26% | 2.28% | 2.54% | 2.61% | 2.64% | 2.72% | 2.96% | 2.97% | +36 bps | |
| Efficiency Ratio | 77.39% | 79.19% | 91.54% | 89.44% | 86.27% | 84.90% | 83.75% | 83.84% | -560 bps | |
| Non-Interest Burden | 1.52% | 1.62% | 2.29% | 2.29% | 2.22% | 2.23% | 2.39% | 2.40% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.55% | -2.20% | -1.49% | -0.98% | -1.10% | -2.04% | -1.33% | -0.87% | +11 bps | |
| Loan Growth (YoY) | -1.11% | -0.18% | -0.95% | -1.49% | -2.28% | -3.89% | -2.64% | 1.33% | +282 bps | |
| Deposit Growth (YoY) | -1.94% | -2.91% | 0.14% | -0.27% | -0.02% | -2.10% | -1.95% | -1.30% | -103 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 0.91% | 0.84% | 0.92% | 0.94% | 0.82% | 0.85% | 1.10% | +18 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.14% | 0.01% | -0.05% | -0.01% | 0.01% | 0.00% | 0.00% | +5 bps | |
| Allowance / Loans | 1.23% | 1.12% | 1.20% | 1.22% | 1.22% | 1.21% | 1.19% | 1.18% | -5 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.4x | 1.3x | 1.3x | 1.5x | 1.4x | 1.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.38% | 8.47% | 8.48% | 8.69% | 8.77% | 8.93% | 9.24% | 9.31% | +63 bps | |
| Total Risk-Based Capital | 12.14% | 12.19% | 12.27% | 12.55% | 12.72% | 13.09% | 13.27% | 13.03% | +48 bps | |
| Equity / Assets | 7.60% | 7.27% | 7.36% | 7.44% | 8.01% | 8.59% | 8.50% | 8.67% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.20% | 85.59% | 85.22% | 84.57% | 84.25% | 84.02% | 84.62% | 86.82% | +225 bps | |
| Liquid Assets / Assets | 2.31% | 2.52% | 2.59% | 3.89% | 4.10% | 5.02% | 5.11% | 3.74% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 453% | 439% | 440% | n/a | n/a | |
Munster, IN · Cert 29523 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Finward Bcorp
State charter, non-member · FDIC · 24 branches
Q2 2026
Return on Assets
0.43%
Rank 28 of 31
Net Interest Margin
2.97%
Rank 25 of 31
Efficiency Ratio
84.38%
Rank 30 of 31
Equity / Assets
8.67%
Rank 27 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 1.15% | 1.39% | 1.64% | Beats 10% | 28 / 31 | ||
| Return on Equity | 4.93% | 11.05% | 13.35% | 16.66% | Beats 10% | 28 / 31 | ||
| Net Interest Margin | 2.97% | 3.00% | 3.28% | 3.75% | Beats 19% | 25 / 31 | ||
| Efficiency Ratio | 84.38% | 37.25% | 50.71% | 61.60% | Beats 6% | 30 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.10% | 0.18% | 0.41% | 1.00% | Beats 13% | 28 / 31 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.11% | Beats 77% | 8 / 31 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.81% | 10.88% | 11.50% | 13.72% | Beats 52% | 15 / 31 | ||
| Total Risk-Based Capital Ratio | 13.03% | 11.53% | 12.02% | 14.77% | Beats 58% | 13 / 31 | ||
| Equity / Assets | 8.67% | 8.90% | 10.15% | 11.24% | Beats 13% | 27 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.82% | 80.56% | 87.67% | 94.53% | 45th pctl | 17 / 31 | ||
| Loans / Assets | 73.76% | 67.81% | 73.77% | 76.85% | 45th pctl | 17 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||