Lisle, IL · Cert 29800
SI · FDIC · 4 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 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
90
Asset Quality
69
Profitability
27
Liquidity
75
Efficiency
70
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.
Lisle, IL · Cert 29800
SI · FDIC · 4 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #76 of 147 inst. · $0.4B 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 | 0.33% | 0.32% | 0.16% | 0.28% | 0.30% | 0.29% | 0.33% | 0.84% | +55 bps | |
| Return on Equity | 1.45% | 1.43% | 0.69% | 1.23% | 1.30% | 1.21% | 1.34% | 3.42% | +219 bps | |
| Net Interest Margin | 1.60% | 1.55% | 1.58% | 1.59% | 1.65% | 1.70% | 1.76% | 2.41% | +83 bps | |
| Efficiency Ratio | 86.01% | 85.66% | 92.94% | 84.90% | 85.18% | 86.06% | 82.47% | 61.74% | -2,316 bps | |
| Non-Interest Burden | 1.32% | 1.27% | 1.45% | 1.28% | 1.35% | 1.41% | 1.39% | 1.36% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.37% | -1.01% | -0.82% | -0.31% | -2.52% | -2.18% | -0.65% | -1.03% | -72 bps | |
| Loan Growth (YoY) | -0.23% | 1.01% | 1.10% | 1.47% | 1.76% | 2.70% | 4.82% | 5.19% | +372 bps | |
| Deposit Growth (YoY) | -3.79% | -1.41% | 0.53% | 1.08% | 1.12% | 0.38% | 0.47% | -0.31% | -139 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.33% | 1.28% | 1.26% | 1.25% | 1.42% | 1.44% | 1.38% | 0.95% | -31 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.04% | 1.03% | 1.02% | 1.02% | 1.01% | 0.99% | 0.97% | -5 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.8x | 0.7x | 0.7x | 0.7x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.09% | 25.07% | 24.93% | 25.20% | 25.91% | 26.24% | 25.97% | 26.10% | +90 bps | |
| Total Risk-Based Capital | 25.09% | 25.07% | 24.93% | 25.20% | 25.91% | 26.24% | 25.97% | 26.10% | +90 bps | |
| Equity / Assets | 23.49% | 22.68% | 23.11% | 23.55% | 24.55% | 24.46% | 24.18% | 24.87% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.02% | 72.95% | 71.48% | 73.95% | 74.48% | 74.64% | 74.57% | 78.03% | +408 bps | |
| Liquid Assets / Assets | 3.68% | 7.20% | 8.01% | 5.73% | 4.63% | 5.68% | 6.83% | 5.35% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 7.63% | 7.37% | 7.39% | n/a | n/a | |
Lisle, IL · Cert 29800 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)
SI · FDIC · 4 branches
Q2 2026
Return on Assets
0.84%
Rank 29 of 57
Net Interest Margin
2.41%
Rank 54 of 57
Efficiency Ratio
61.74%
Rank 18 of 57
Equity / Assets
24.87%
Rank 4 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.51% | 0.84% | 1.19% | Beats 49% | 29 / 57 | ||
| Return on Equity | 3.39% | 3.13% | 7.76% | 11.40% | Beats 28% | 41 / 57 | ||
| Net Interest Margin | 2.41% | 3.16% | 3.63% | 4.08% | Beats 5% | 54 / 57 | ||
| Efficiency Ratio | 61.74% | 59.57% | 69.70% | 81.06% | Beats 70% | 18 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.06% | 0.34% | 1.78% | Beats 37% | 36 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.10% | 12.24% | 16.06% | 19.69% | Beats 89% | 6 / 57 | ||
| Total Risk-Based Capital Ratio | 26.10% | 12.54% | 16.50% | 20.95% | Beats 88% | 7 / 57 | ||
| Equity / Assets | 24.87% | 9.37% | 11.56% | 15.00% | Beats 93% | 4 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.03% | 66.29% | 85.59% | 95.16% | 35th pctl | 37 / 57 | ||
| Loans / Assets | 54.93% | 57.07% | 71.07% | 78.13% | 19th pctl | 46 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||