Melrose Park, IL · Cert 34108 · Solvtrust Financial Corp.
State charter, non-member · FDIC · 6 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
12
Asset Quality
48
Profitability
60
Liquidity
74
Efficiency
49
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.
Melrose Park, IL · Cert 34108 · Solvtrust Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #69 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 | 0.80% | 1.30% | 0.63% | 0.72% | 0.78% | 0.82% | 0.81% | 0.83% | +11 bps | |
| Return on Equity | 10.07% | 16.10% | 7.06% | 8.19% | 9.01% | 9.53% | 9.62% | 9.78% | +158 bps | |
| Net Interest Margin | 3.67% | 3.70% | 3.73% | 3.80% | 3.68% | 3.72% | 3.97% | 3.93% | +13 bps | |
| Efficiency Ratio | 68.40% | 68.27% | 75.06% | 72.10% | 70.24% | 68.99% | 70.19% | 70.29% | -181 bps | |
| Non-Interest Burden | 2.43% | 2.45% | 2.75% | 2.68% | 2.52% | 2.50% | 2.72% | 2.70% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.07% | 1.59% | -2.05% | 1.25% | 2.49% | 8.55% | 10.79% | 3.53% | +228 bps | |
| Loan Growth (YoY) | 6.81% | 3.62% | -2.51% | -0.43% | 3.44% | 9.89% | 11.62% | 3.71% | +415 bps | |
| Deposit Growth (YoY) | 4.91% | 0.44% | -1.42% | 6.22% | 3.92% | 11.94% | 11.51% | 1.12% | -510 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.34% | 0.17% | 0.30% | 0.02% | 0.28% | 0.25% | 0.31% | 0.12% | +9 bps | |
| Net Charge-Offs / Loans | 0.43% | 0.75% | 0.01% | 0.13% | 0.09% | 0.07% | 0.02% | 0.00% | -12 bps | |
| Allowance / Loans | 1.68% | 1.37% | 1.43% | 1.35% | 1.33% | 1.33% | 1.37% | 1.45% | +11 bps | |
| Allowance Coverage of NPLs | 1.2x | 8.2x | 4.7x | 56.2x | 4.7x | 5.3x | 4.5x | 12.4x | -43.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.50% | 9.01% | 9.37% | 9.29% | 8.86% | 8.97% | 8.79% | 8.63% | -66 bps | |
| Total Risk-Based Capital | 11.58% | 12.57% | 12.69% | 12.06% | 11.59% | 11.51% | 11.49% | 11.79% | -26 bps | |
| Equity / Assets | 8.05% | 8.86% | 9.00% | 8.45% | 8.49% | 8.36% | 8.42% | 8.60% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.05% | 92.64% | 91.33% | 89.84% | 91.63% | 90.95% | 91.43% | 92.15% | +230 bps | |
| Liquid Assets / Assets | 2.72% | 3.05% | 2.01% | 1.87% | 1.55% | 2.60% | 1.95% | 3.36% | +149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 592% | 614% | 618% | n/a | n/a | |
Melrose Park, IL · Cert 34108 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Solvtrust Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.83%
Rank 30 of 57
Net Interest Margin
3.93%
Rank 18 of 57
Efficiency Ratio
70.29%
Rank 30 of 57
Equity / Assets
8.60%
Rank 50 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.51% | 0.84% | 1.19% | Beats 47% | 30 / 57 | ||
| Return on Equity | 9.68% | 3.13% | 7.76% | 11.40% | Beats 65% | 20 / 57 | ||
| Net Interest Margin | 3.93% | 3.16% | 3.63% | 4.08% | Beats 68% | 18 / 57 | ||
| Efficiency Ratio | 70.29% | 59.57% | 69.70% | 81.06% | Beats 49% | 30 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.06% | 0.34% | 1.78% | Beats 70% | 18 / 56 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 25% | 43 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.54% | 12.24% | 16.06% | 19.69% | Beats 11% | 51 / 57 | ||
| Total Risk-Based Capital Ratio | 11.79% | 12.54% | 16.50% | 20.95% | Beats 14% | 49 / 57 | ||
| Equity / Assets | 8.60% | 9.37% | 11.56% | 15.00% | Beats 12% | 50 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.15% | 66.29% | 85.59% | 95.16% | 65th pctl | 20 / 57 | ||
| Loans / Assets | 81.59% | 57.07% | 71.07% | 78.13% | 82nd pctl | 10 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||