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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | 0.09% | 0.03% | 0.16% | 0.13% | +17 bps | |
| Return on Equity | -0.24% | 0.59% | 0.17% | 1.08% | 0.90% | +113 bps | |
| Net Interest Margin | 1.60% | 1.61% | 1.69% | 1.72% | 1.84% | +24 bps | |
| Efficiency Ratio | 103.59% | 94.48% | 98.54% | 89.69% | 91.84% | -1,175 bps | |
| Non-Interest Burden | 1.67% | 1.52% | 1.67% | 1.53% | 1.68% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | -0.30% | -2.84% | -1.67% | -1.59% | -206 bps | |
| Loan Growth (YoY) | -4.76% | -3.28% | -4.04% | -4.27% | -4.06% | +70 bps | |
| Deposit Growth (YoY) | 0.51% | -0.38% | -3.40% | -2.10% | -1.95% | -246 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 0.53% | 0.52% | 0.53% | 0.53% | 0.52% | -1 bps | |
| Allowance Coverage of NPLs | 13.4x | 9.9x | 3.7x | 8.8x | 8.7x | -4.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.58% | 14.63% | 14.69% | 14.72% | 14.88% | +30 bps | |
| Total Risk-Based Capital | 38.31% | 14.63% | 14.69% | 14.72% | 39.51% | +120 bps | |
| Equity / Assets | 14.66% | 14.62% | 14.79% | 14.79% | 15.00% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.28% | 53.82% | 53.51% | 52.59% | 53.11% | -117 bps | |
| Liquid Assets / Assets | 50.93% | 51.30% | 51.59% | 52.51% | 52.10% | +117 bps | |
| CRE / Total Capital | n/a | 2.90% | 2.99% | 3.06% | n/a | n/a | |