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 | |