Skokie, IL · Cert 34393 · First Equity Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #122 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 | 1.32% | 1.19% | 1.45% | 1.33% | 1.39% | 1.28% | 1.28% | 1.09% | -25 bps | |
| Return on Equity | 7.70% | 6.97% | 8.53% | 7.87% | 8.20% | 7.60% | 7.69% | 6.53% | -134 bps | |
| Net Interest Margin | 3.82% | 3.62% | 3.43% | 3.41% | 3.85% | 3.78% | 3.65% | 3.65% | +25 bps | |
| Efficiency Ratio | 65.59% | 67.96% | 57.24% | 59.16% | 61.34% | 63.60% | 63.29% | 66.65% | +749 bps | |
| Non-Interest Burden | 2.15% | 2.18% | 1.55% | 1.66% | 2.06% | 2.14% | 2.00% | 2.22% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.56% | -4.39% | 8.38% | 0.90% | 4.94% | 2.70% | 3.60% | 5.19% | +429 bps | |
| Loan Growth (YoY) | 0.26% | -1.35% | -5.66% | -3.70% | 0.55% | 2.31% | 4.74% | 4.66% | +836 bps | |
| Deposit Growth (YoY) | -8.31% | -13.39% | 2.18% | -4.26% | -1.50% | -3.49% | -4.24% | 1.97% | +623 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.95% | 1.03% | 0.94% | 0.37% | 0.37% | 0.00% | 0.00% | -94 bps | |
| Net Charge-Offs / Loans | -0.13% | -0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.60% | 1.73% | 1.58% | 1.57% | 1.56% | 1.65% | 1.51% | -7 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 1.7x | 1.7x | 4.3x | 4.3x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.13% | 16.07% | 16.41% | 16.58% | 16.45% | 15.92% | 16.22% | 16.46% | -12 bps | |
| Total Risk-Based Capital | 22.42% | 22.98% | 25.10% | 22.93% | 22.77% | 21.97% | 24.02% | 22.48% | -45 bps | |
| Equity / Assets | 17.33% | 16.87% | 17.02% | 16.96% | 16.78% | 16.52% | 16.91% | 16.58% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.13% | 107.94% | 98.54% | 109.25% | 107.31% | 114.43% | 107.78% | 112.14% | +289 bps | |
| Liquid Assets / Assets | 15.39% | 17.57% | 23.30% | 17.89% | 18.55% | 17.63% | 21.66% | 17.78% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 278% | 301% | 272% | n/a | n/a | |