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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.56% | 0.75% | 1.04% | 0.98% | 0.94% | 1.04% | 1.10% | +6 bps | |
| Return on Equity | 5.71% | 4.00% | 5.46% | 7.57% | 7.12% | 7.06% | 7.80% | 8.02% | +45 bps | |
| Net Interest Margin | 3.95% | 4.18% | 3.79% | 4.07% | 4.07% | 4.07% | 4.03% | 4.30% | +23 bps | |
| Efficiency Ratio | 78.27% | 78.46% | 78.96% | 72.71% | 73.17% | 72.99% | 72.09% | 71.13% | -158 bps | |
| Non-Interest Burden | 2.98% | 3.18% | 2.90% | 2.86% | 2.88% | 2.87% | 2.81% | 2.96% | +11 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 | -0.05% | -0.02% | -0.05% | -0.04% | -0.03% | 0.01% | -0.02% | -0.03% | 0 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 | |