Saint John, IN · Cert 29878 · Amb Financial Corp.
State charter, non-member · FDIC · 5 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
21
Asset Quality
60
Profitability
65
Liquidity
72
Efficiency
77
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.
Saint John, IN · Cert 29878 · Amb Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #81 of 147 inst. · $0.3B 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 | 0.69% | 0.77% | 0.96% | 0.89% | 0.95% | 0.98% | 1.17% | 1.08% | +18 bps | |
| Return on Equity | 8.17% | 9.09% | 11.23% | 10.35% | 10.98% | 11.25% | 12.83% | 11.72% | +137 bps | |
| Net Interest Margin | 2.91% | 2.89% | 3.02% | 3.24% | 3.18% | 3.40% | 3.66% | 3.83% | +60 bps | |
| Efficiency Ratio | 73.37% | 71.08% | 69.68% | 65.97% | 64.23% | 61.63% | 61.69% | 57.40% | -857 bps | |
| Non-Interest Burden | 2.05% | 1.96% | 2.01% | 2.01% | 1.91% | 1.96% | 2.09% | 1.99% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.22% | 5.77% | 8.16% | 1.09% | 7.67% | 2.21% | 0.35% | 0.00% | -109 bps | |
| Loan Growth (YoY) | 2.17% | -4.41% | -5.27% | -0.41% | 2.40% | 7.36% | 10.93% | 10.98% | +1,139 bps | |
| Deposit Growth (YoY) | 10.92% | 11.61% | 8.91% | 0.40% | 7.43% | 1.22% | -0.41% | -0.68% | -108 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.92% | 0.82% | 0.81% | 0.95% | 1.27% | 2.20% | 2.28% | 2.33% | +138 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.10% | 0.04% | 0.03% | 0.10% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.15% | 1.13% | 1.06% | 1.09% | 1.08% | 1.11% | 1.09% | 1.28% | +19 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.3x | 1.2x | 0.9x | 0.5x | 0.5x | 0.6x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 8.80% | 8.87% | 9.29% | 9.09% | 9.07% | 9.47% | 9.83% | +54 bps | |
| Total Risk-Based Capital | 12.38% | 12.49% | 12.92% | 12.97% | 12.96% | 12.20% | 12.30% | 12.22% | -75 bps | |
| Equity / Assets | 8.74% | 8.46% | 8.68% | 8.73% | 8.87% | 8.90% | 9.28% | 9.37% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.61% | 84.28% | 82.12% | 82.84% | 83.50% | 89.39% | 91.47% | 92.57% | +973 bps | |
| Liquid Assets / Assets | 12.15% | 14.54% | 16.03% | 15.15% | 14.00% | 7.59% | 5.59% | 5.14% | -1,000 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 427% | 461% | 444% | n/a | n/a | |
Saint John, IN · Cert 29878 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Amb Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.07%
Rank 23 of 57
Net Interest Margin
3.83%
Rank 22 of 57
Efficiency Ratio
57.40%
Rank 14 of 57
Equity / Assets
9.37%
Rank 43 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.51% | 0.84% | 1.19% | Beats 60% | 23 / 57 | ||
| Return on Equity | 11.40% | 3.13% | 7.76% | 11.40% | Beats 74% | 15 / 57 | ||
| Net Interest Margin | 3.83% | 3.16% | 3.63% | 4.08% | Beats 61% | 22 / 57 | ||
| Efficiency Ratio | 57.40% | 59.57% | 69.70% | 81.06% | Beats 77% | 14 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.33% | 0.06% | 0.34% | 1.78% | Beats 20% | 46 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 12.24% | 16.06% | 19.69% | Beats 18% | 47 / 57 | ||
| Total Risk-Based Capital Ratio | 12.22% | 12.54% | 16.50% | 20.95% | Beats 21% | 45 / 57 | ||
| Equity / Assets | 9.37% | 9.37% | 11.56% | 15.00% | Beats 25% | 43 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.57% | 66.29% | 85.59% | 95.16% | 70th pctl | 17 / 57 | ||
| Loans / Assets | 83.33% | 57.07% | 71.07% | 78.13% | 91st pctl | 5 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||