Park Ridge, IL · Cert 34038 · Community Bank Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #70 of 147 inst. · $0.5B 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 | 1.87% | 1.61% | 1.46% | 1.52% | 1.51% | 1.57% | 1.47% | 1.59% | +7 bps | |
| Return on Equity | 12.53% | 11.41% | 12.07% | 12.35% | 12.16% | 12.43% | 11.09% | 11.91% | -44 bps | |
| Net Interest Margin | 4.34% | 4.43% | 3.96% | 4.13% | 4.09% | 4.24% | 4.22% | 4.25% | +12 bps | |
| Efficiency Ratio | 45.03% | 49.31% | 48.53% | 47.36% | 47.95% | 47.92% | 48.31% | 46.06% | -130 bps | |
| Non-Interest Burden | 1.87% | 2.04% | 1.90% | 1.96% | 1.98% | 2.03% | 2.08% | 1.99% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.56% | 45.26% | 46.17% | 51.96% | 47.31% | -2.41% | 3.77% | 1.27% | -5,069 bps | |
| Loan Growth (YoY) | 0.73% | 16.28% | 21.79% | 28.73% | 32.00% | 8.41% | 2.29% | 12.33% | -1,640 bps | |
| Deposit Growth (YoY) | 4.58% | 65.00% | 58.67% | 58.54% | 53.74% | -2.74% | 4.74% | 1.06% | -5,747 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.49% | 0.42% | 0.98% | 1.24% | 0.92% | 1.28% | 1.75% | +78 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 | 2.03% | 1.81% | 1.79% | 1.83% | 1.77% | 1.80% | 1.90% | 1.78% | -5 bps | |
| Allowance Coverage of NPLs | 5.4x | 3.7x | 4.3x | 1.9x | 1.4x | 2.0x | 1.5x | 1.0x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.05% | 15.01% | 10.38% | 10.89% | 10.94% | 11.59% | 11.71% | 11.91% | +101 bps | |
| Total Risk-Based Capital | 16.05% | 15.01% | 10.38% | 10.89% | 10.94% | 11.59% | 11.71% | 11.91% | +101 bps | |
| Equity / Assets | 15.44% | 11.92% | 12.34% | 12.61% | 12.82% | 13.47% | 13.00% | 13.57% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.37% | 74.59% | 77.83% | 77.00% | 80.16% | 83.14% | 76.00% | 85.59% | +859 bps | |
| Liquid Assets / Assets | 6.89% | 20.89% | 16.29% | 17.11% | 15.20% | 14.23% | 18.46% | 10.66% | -645 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 359% | 348% | 343% | n/a | n/a | |