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Northside Community Bank

Gurnee, IL · Cert 34416

FDIC · 4 branches

Q3 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65 to 66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

12

Q2 2024Q3 2024peer median (50)

Asset Quality

100

Q2 2024Q3 2024peer median (50)

Profitability

14

Q2 2024Q3 2024peer median (50)

Liquidity

78

Q2 2024Q3 2024peer median

Efficiency

8

Q2 2024Q3 2024peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northside Community Bank

Gurnee, IL · Cert 34416

FDIC · 4 branches

Q3 2024

$308.8MAssets
$212.3MLoans
$273.0MDeposits
$25.3MEquity
Loan mix
88%RE $100.1M11%C&I $12.8M1%Consumer $0.8MQ3 2023Q3 2024
Deposit mix
87%Interest-bearing $236.8M13%Noninterest $36.1MQ3 2023Q3 2024

NIM

3.31%Q3 ’224.16%Q3 ’234.64%Q3 ’24-10%-8%

Non-interest income vs. expense

2.46%Q3 ’222.09%Q3 ’233.39%Q3 ’24-17%+67%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2024 SOD (annual) · 0.0% share · #103 of 157 inst. · $0.2B of $586.9B

0.5% Lake
0.0% Cook

Executive Summary

  • Earnings: ROA of -0.65%, down 137 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.07%, down 959 bps from a year ago.
  • Funding: loans stand at 77.77% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

-0.65%-137 bps YoY

Net Interest Margin (YTD, annualized)

2.63%-24 bps YoY

Efficiency Ratio (YTD, annualized)

119.83%+5,122 bps YoY

Tier 1 Leverage Ratio

9.07%-959 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.72%0.68%0.55%0.52%-0.65%-137 bps
Return on Equity3.57%3.39%2.70%2.60%-3.86%-743 bps
Net Interest Margin2.87%2.84%2.61%2.67%2.63%-24 bps
Efficiency Ratio68.61%70.18%78.38%78.51%119.83%+5,122 bps
Non-Interest Burden1.90%1.92%1.99%2.04%3.18%+128 bps
Growth
Asset Growth (YoY)-6.50%-0.35%0.77%-2.86%15.62%+2,212 bps
Loan Growth (YoY)-2.21%-4.60%1.60%9.45%7.64%+985 bps
Deposit Growth (YoY)-7.43%0.35%2.27%-2.92%31.42%+3,885 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.10%0.00%0.00%0.00%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.29%1.31%1.24%1.19%1.20%-9 bps
Allowance Coverage of NPLs12.8x12.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio18.66%19.16%20.07%19.74%9.07%-959 bps
Total Risk-Based Capital22.98%22.87%22.23%22.15%11.66%-1,133 bps
Equity / Assets19.08%20.09%20.61%19.76%8.20%-1,089 bps
Liquidity & Funding
Loans / Deposits94.95%99.04%107.06%105.03%77.77%-1,718 bps
Liquid Assets / Assets14.96%11.59%6.65%7.76%21.33%+637 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northside Community Bank

Gurnee, IL · Cert 34416 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65-66)

FDIC · 4 branches

Q3 2024

$308.8MAssets
$212.3MLoans
$273.0MDeposits
$25.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 11 of 65).
  • Widest gap: return on equity trails 97% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 64 of 66).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.56%

Rank 61 of 66

Net Interest Margin

2.63%

Rank 46 of 66

Efficiency Ratio

119.83%

Rank 62 of 66

Equity / Assets

8.20%

Rank 56 of 66

Non-interest income vs. expense

$0.6M$9.0MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 8% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 119.83%Peer median 76.3%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.56%0.19%0.69%0.95%Beats 8%61 / 66
Return on Equity-6.88%1.41%5.65%9.08%Beats 3%64 / 66
Net Interest Margin2.63%2.49%3.21%3.81%Beats 30%46 / 66
Efficiency Ratio119.83%61.20%76.34%90.22%Beats 8%62 / 66
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.49%1.34%Beats 100%11 / 65
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%25 / 65
Capital
Tier 1 Capital Ratio10.54%12.79%16.04%19.61%Beats 11%59 / 66
Total Risk-Based Capital Ratio11.66%13.16%16.56%20.61%Beats 11%59 / 66
Equity / Assets8.20%8.65%11.46%14.47%Beats 15%56 / 66
Liquidity & Funding
Loans / Deposits77.77%67.54%83.81%94.78%42nd pctl38 / 66
Loans / Assets68.76%55.27%68.76%79.43%49th pctl33 / 65
Brokered Deposits / Depositsn/aNot reported for this institution