Sterling, IL · Cert 35131 · SV Financial Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
55
Profitability
53
Liquidity
41
Efficiency
27
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.
Sterling, IL · Cert 35131 · SV Financial Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #128 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 | 0.66% | 0.68% | 0.65% | 0.71% | 0.73% | 0.82% | 0.80% | 0.81% | +10 bps | |
| Return on Equity | 9.38% | 9.50% | 8.70% | 9.54% | 9.64% | 10.80% | 10.12% | 10.38% | +83 bps | |
| Net Interest Margin | 2.92% | 3.04% | 3.27% | 3.31% | 3.18% | 3.39% | 3.66% | 3.75% | +44 bps | |
| Efficiency Ratio | 72.72% | 71.74% | 73.04% | 71.06% | 71.21% | 68.64% | 70.99% | 71.03% | -2 bps | |
| Non-Interest Burden | 2.03% | 2.07% | 2.29% | 2.24% | 2.15% | 2.20% | 2.49% | 2.55% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.31% | 4.49% | 5.02% | 9.03% | 4.45% | 9.20% | 7.47% | 8.05% | -98 bps | |
| Loan Growth (YoY) | 17.64% | 11.19% | 8.07% | 9.32% | 7.52% | 11.78% | 11.07% | 5.60% | -372 bps | |
| Deposit Growth (YoY) | 12.06% | 6.90% | 5.92% | 6.93% | 1.69% | 5.69% | 5.49% | 7.97% | +104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.22% | 0.99% | 1.26% | 1.24% | 1.12% | 1.03% | 0.87% | -39 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.02% | 0.03% | 0.02% | 0.01% | 0.00% | -0.11% | -0.04% | -6 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.31% | 1.32% | 1.32% | 1.32% | 1.37% | 1.40% | +8 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.3x | 1.0x | 1.1x | 1.2x | 1.3x | 1.6x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.79% | 8.80% | 8.78% | 8.53% | 8.83% | 8.72% | 8.84% | +6 bps | |
| Total Risk-Based Capital | 12.06% | 12.37% | 12.38% | 12.30% | 12.37% | 12.56% | 12.49% | 12.74% | +44 bps | |
| Equity / Assets | 7.32% | 7.36% | 7.63% | 7.41% | 7.83% | 7.91% | 7.89% | 7.63% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.57% | 84.70% | 84.53% | 83.86% | 86.25% | 89.58% | 89.00% | 82.02% | -185 bps | |
| Liquid Assets / Assets | 2.35% | 0.36% | 0.41% | 2.87% | 1.40% | 0.31% | 0.95% | 2.27% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 274% | 276% | n/a | n/a | |
Sterling, IL · Cert 35131 · Peer group: banks under $1B in assets in IL (n=149-151) · SV Financial Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
0.78%
Rank 105 of 151
Net Interest Margin
3.75%
Rank 42 of 151
Efficiency Ratio
71.20%
Rank 111 of 151
Equity / Assets
7.63%
Rank 137 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.70% | 1.03% | 1.34% | Beats 30% | 105 / 151 | ||
| Return on Equity | 10.24% | 6.74% | 9.34% | 12.94% | Beats 58% | 64 / 151 | ||
| Net Interest Margin | 3.75% | 3.02% | 3.43% | 3.83% | Beats 72% | 42 / 151 | ||
| Efficiency Ratio | 71.20% | 54.64% | 64.89% | 72.50% | Beats 27% | 111 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.87% | 0.20% | 0.66% | 1.77% | Beats 44% | 85 / 149 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 66% | 52 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.49% | 11.83% | 14.17% | 18.66% | Beats 19% | 122 / 151 | ||
| Total Risk-Based Capital Ratio | 12.74% | 12.22% | 14.54% | 19.92% | Beats 32% | 102 / 151 | ||
| Equity / Assets | 7.63% | 9.10% | 10.65% | 12.40% | Beats 9% | 137 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.02% | 54.39% | 71.02% | 80.75% | 77th pctl | 34 / 149 | ||
| Loans / Assets | 69.50% | 45.91% | 61.31% | 68.01% | 77th pctl | 34 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||