Chicago, IL · Cert 34334 · American Metro Bcorp Inc.
State charter, non-member · FDIC · 2 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
41
Asset Quality
73
Profitability
64
Liquidity
4
Efficiency
47
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.
Chicago, IL · Cert 34334 · American Metro Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #121 of 147 inst. · $0.1B 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 | 1.23% | 1.05% | 0.75% | 0.90% | 0.92% | 0.93% | 1.04% | 1.07% | +17 bps | |
| Return on Equity | 8.32% | 7.22% | 5.46% | 6.52% | 6.72% | 6.81% | 7.80% | 7.91% | +139 bps | |
| Net Interest Margin | 3.85% | 3.77% | 3.79% | 3.94% | 3.91% | 3.84% | 4.03% | 4.23% | +29 bps | |
| Efficiency Ratio | 79.59% | 79.28% | 78.96% | 75.74% | 74.85% | 74.35% | 72.09% | 71.61% | -413 bps | |
| Non-Interest Burden | 2.96% | 2.89% | 2.90% | 2.88% | 2.83% | 2.76% | 2.81% | 2.93% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.21% | 14.70% | 15.53% | 19.79% | 9.50% | 13.35% | 7.75% | 7.25% | -1,253 bps | |
| Loan Growth (YoY) | 24.10% | 22.42% | 21.15% | 17.47% | 10.62% | 9.88% | 7.16% | 6.30% | -1,117 bps | |
| Deposit Growth (YoY) | 22.29% | 13.35% | 18.48% | 16.90% | 10.08% | 11.94% | 3.27% | 0.50% | -1,640 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.05% | -0.04% | -0.04% | -0.03% | -0.02% | -0.03% | +1 bps | |
| Allowance / Loans | 1.18% | 1.22% | 1.22% | 1.25% | 1.22% | 1.20% | 1.23% | 1.27% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.15% | 12.60% | 12.37% | 12.68% | 12.61% | 12.31% | 12.40% | 13.10% | +42 bps | |
| Total Risk-Based Capital | 18.03% | 17.14% | 17.23% | 17.20% | 17.22% | 17.13% | 17.51% | 13.10% | -410 bps | |
| Equity / Assets | 14.09% | 13.92% | 13.68% | 13.75% | 13.69% | 13.08% | 13.60% | 13.75% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.01% | 107.94% | 102.64% | 103.70% | 106.53% | 105.96% | 106.51% | 109.69% | +599 bps | |
| Liquid Assets / Assets | 12.84% | 12.68% | 13.87% | 14.59% | 13.06% | 15.51% | 14.51% | 15.63% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 446% | 444% | 435% | n/a | n/a | |
Chicago, IL · Cert 34334 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · American Metro Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.07%
Rank 24 of 57
Net Interest Margin
4.23%
Rank 9 of 57
Efficiency Ratio
71.61%
Rank 31 of 57
Equity / Assets
13.75%
Rank 21 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.51% | 0.84% | 1.19% | Beats 58% | 24 / 57 | ||
| Return on Equity | 7.76% | 3.13% | 7.76% | 11.40% | Beats 49% | 29 / 57 | ||
| Net Interest Margin | 4.23% | 3.16% | 3.63% | 4.08% | Beats 84% | 9 / 57 | ||
| Efficiency Ratio | 71.61% | 59.57% | 69.70% | 81.06% | Beats 47% | 31 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.34% | 1.78% | Beats 100% | 9 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 45% | 32 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.10% | 12.24% | 16.06% | 19.69% | Beats 32% | 39 / 57 | ||
| Total Risk-Based Capital Ratio | 13.10% | 12.54% | 16.50% | 20.95% | Beats 28% | 41 / 57 | ||
| Equity / Assets | 13.75% | 9.37% | 11.56% | 15.00% | Beats 63% | 21 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.69% | 66.29% | 85.59% | 95.16% | 88th pctl | 7 / 57 | ||
| Loans / Assets | 81.03% | 57.07% | 71.07% | 78.13% | 81st pctl | 11 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||