McHenry Savings Bank

McHenry, IL · Cert 30864 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=68-69)

FDIC · 3 branches

Q2 2024

$324.1MAssets

$234.9MLoans

$239.7MDeposits

$28.2MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 20 of 68).
Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 58 of 69).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.73%

Rank 28 of 69

Net Interest Margin

2.62%

Rank 48 of 69

Efficiency Ratio

70.90%

Rank 27 of 69

Equity / Assets

8.71%

Rank 50 of 69

Unfavorable gap of $5.4M · efficiency ratio beats 62% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.73%	0.30%	0.64%	0.95%	Beats 59%	28 / 69	n/a
Return on Equity	8.35%	2.44%	5.94%	9.44%	Beats 62%	26 / 69	n/a
Net Interest Margin	2.62%	2.55%	3.21%	3.71%	Beats 30%	48 / 69	n/a
Efficiency Ratio	70.90%	63.64%	75.82%	87.71%	Beats 62%	27 / 69	n/a
Asset Quality
Nonperforming Loans / Loans	0.09%	0.08%	0.38%	1.32%	Beats 72%	20 / 68	n/a
Net Charge-Offs / Loans	0.01%	n/a	n/a	0.01%	Beats 28%	50 / 68	n/a
Capital
Tier 1 Capital Ratio	11.63%	12.63%	16.15%	19.71%	Beats 16%	58 / 69	n/a
Total Risk-Based Capital Ratio	12.49%	13.07%	16.49%	20.86%	Beats 16%	58 / 69	n/a
Equity / Assets	8.71%	8.52%	10.93%	14.81%	Beats 28%	50 / 69	n/a
Liquidity & Funding
Loans / Deposits	98.02%	68.84%	83.29%	97.49%	75th pctl	17 / 69	n/a
Loans / Assets	72.48%	57.23%	69.74%	79.96%	57th pctl	29 / 68	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution