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 (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 | 0.28% | 0.31% | 0.16% | 0.41% | 0.35% | 0.23% | 0.33% | 1.35% | +94 bps | |
| Return on Equity | 1.20% | 1.34% | 0.69% | 1.76% | 1.44% | 0.96% | 1.34% | 5.50% | +374 bps | |
| Net Interest Margin | 1.46% | 1.43% | 1.58% | 1.59% | 1.70% | 1.79% | 1.76% | 3.08% | +149 bps | |
| Efficiency Ratio | 88.58% | 84.53% | 92.94% | 78.08% | 85.72% | 88.77% | 82.47% | 49.13% | -2,895 bps | |
| Non-Interest Burden | 1.23% | 1.14% | 1.45% | 1.11% | 1.41% | 1.57% | 1.39% | 1.35% | +23 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 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 | |