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 | |