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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 75thStandingRank8-Qtr TrendPeer 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