Lake Forest, IL · Cert 35063
FDIC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.02% | 4.34% | 4.58% | 4.40% | 4.76% | +74 bps | |
| Return on Equity | 4.07% | 4.40% | 4.65% | 4.46% | 4.83% | +76 bps | |
| Net Interest Margin | 1.24% | 1.24% | 1.23% | 1.24% | 1.24% | 0 bps | |
| Efficiency Ratio | 74.60% | 72.56% | 71.38% | 72.58% | 70.94% | -366 bps | |
| Non-Interest Burden | -4.12% | -4.51% | -4.79% | -4.55% | -5.08% | -96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.21% | 4.59% | 5.37% | 5.36% | 5.75% | +153 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 99.65% | 99.09% | 99.03% | 99.19% | 99.44% | -20 bps | |
| Total Risk-Based Capital | 485% | 469% | 468% | 465% | 460% | -2,479 bps | |
| Equity / Assets | 98.61% | 98.31% | 98.38% | 98.78% | 98.39% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 15.24% | 20.44% | 22.72% | 23.85% | 26.38% | +1,114 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |