Chicago, IL · Cert 29809
SI · FDIC · 14 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
88
Asset Quality
88
Profitability
10
Liquidity
0
Efficiency
14
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.
Chicago, IL · Cert 29809
SI · FDIC · 14 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #61 of 147 inst. · $0.7B 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 | -0.05% | -0.09% | 0.01% | -0.01% | 0.02% | 0.02% | 0.16% | 0.15% | +16 bps | |
| Return on Equity | -0.37% | -0.59% | 0.07% | -0.09% | 0.14% | 0.15% | 1.08% | 0.99% | +107 bps | |
| Net Interest Margin | 1.31% | 1.28% | 1.40% | 1.51% | 1.55% | 1.59% | 1.72% | 1.78% | +27 bps | |
| Efficiency Ratio | 107.22% | 110.29% | 100.38% | 102.08% | 99.44% | 99.20% | 89.69% | 90.80% | -1,128 bps | |
| Non-Interest Burden | 1.43% | 1.44% | 1.41% | 1.55% | 1.54% | 1.58% | 1.53% | 1.61% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | 3.12% | 1.55% | 0.47% | -0.30% | -2.84% | -1.67% | -1.59% | -206 bps | |
| Loan Growth (YoY) | -5.56% | -5.44% | -5.10% | -4.76% | -3.28% | -4.04% | -4.27% | -4.06% | +70 bps | |
| Deposit Growth (YoY) | 1.12% | 3.69% | 1.87% | 0.51% | -0.38% | -3.40% | -2.10% | -1.95% | -246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.07% | 0.08% | 0.04% | 0.05% | 0.14% | 0.06% | 0.06% | +2 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 | 0.54% | 0.53% | 0.53% | 0.53% | 0.52% | 0.53% | 0.53% | 0.52% | -1 bps | |
| Allowance Coverage of NPLs | 4.5x | 7.8x | 6.6x | 13.4x | 9.9x | 3.7x | 8.8x | 8.7x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.68% | 14.45% | 14.34% | 14.58% | 14.63% | 14.69% | 14.72% | 14.88% | +30 bps | |
| Total Risk-Based Capital | 14.68% | 14.45% | 14.34% | 38.31% | 14.63% | 14.69% | 14.72% | 39.51% | +120 bps | |
| Equity / Assets | 14.61% | 14.35% | 14.48% | 14.66% | 14.62% | 14.79% | 14.79% | 15.00% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.43% | 53.87% | 53.78% | 54.28% | 53.82% | 53.51% | 52.59% | 53.11% | -117 bps | |
| Liquid Assets / Assets | 49.95% | 51.20% | 51.26% | 50.93% | 51.30% | 51.59% | 52.51% | 52.10% | +117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 2.90% | 2.99% | 3.06% | n/a | n/a | |
Chicago, IL · Cert 29809 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)
SI · FDIC · 14 branches
Q2 2026
Return on Assets
0.15%
Rank 50 of 57
Net Interest Margin
1.78%
Rank 56 of 57
Efficiency Ratio
91.05%
Rank 50 of 57
Equity / Assets
15.00%
Rank 15 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.51% | 0.84% | 1.19% | Beats 12% | 50 / 57 | ||
| Return on Equity | 0.99% | 3.13% | 7.76% | 11.40% | Beats 16% | 48 / 57 | ||
| Net Interest Margin | 1.78% | 3.16% | 3.63% | 4.08% | Beats 2% | 56 / 57 | ||
| Efficiency Ratio | 91.05% | 59.57% | 69.70% | 81.06% | Beats 14% | 50 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.34% | 1.78% | Beats 75% | 15 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.89% | 12.24% | 16.06% | 19.69% | Beats 95% | 3 / 57 | ||
| Total Risk-Based Capital Ratio | 39.51% | 12.54% | 16.50% | 20.95% | Beats 95% | 3 / 57 | ||
| Equity / Assets | 15.00% | 9.37% | 11.56% | 15.00% | Beats 74% | 15 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.11% | 66.29% | 85.59% | 95.16% | 7th pctl | 53 / 57 | ||
| Loans / Assets | 44.98% | 57.07% | 71.07% | 78.13% | 7th pctl | 53 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||