Evergreen Park, IL · Cert 35230
FDIC · 3 branches
Q2 2025
Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.2% share · #45 of 152 inst. · $1.2B of $601.9B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.52% | 0.20% | 0.29% | 0.40% | 0.50% | 0.82% | 0.56% | +27 bps | |
| Return on Equity | 7.06% | 5.11% | 1.99% | 2.79% | 3.80% | 4.72% | 7.43% | 5.06% | +227 bps | |
| Net Interest Margin | 3.78% | 3.72% | 3.43% | 3.55% | 3.67% | 3.75% | 4.23% | 4.43% | +88 bps | |
| Efficiency Ratio | 63.52% | 63.52% | 70.02% | 68.90% | 67.31% | 64.42% | 57.06% | 64.24% | -466 bps | |
| Non-Interest Burden | 2.35% | 2.31% | 2.35% | 2.40% | 2.42% | 2.35% | 2.30% | 2.77% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.13% | 5.75% | 6.49% | -2.89% | -3.16% | -3.66% | -6.18% | -2.52% | +37 bps | |
| Loan Growth (YoY) | 7.02% | 4.75% | 3.75% | -1.78% | -1.84% | -2.66% | -1.84% | 0.13% | +190 bps | |
| Deposit Growth (YoY) | 10.33% | 5.83% | 7.27% | -3.61% | -4.43% | -4.38% | -6.16% | -1.69% | +192 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.97% | 0.31% | 0.27% | 0.32% | 0.35% | 0.33% | 0.34% | +6 bps | |
| Net Charge-Offs / Loans | 0.93% | 0.95% | 0.92% | 0.84% | 0.86% | 0.98% | 1.20% | 1.06% | +22 bps | |
| Allowance / Loans | 1.49% | 1.70% | 1.75% | 1.78% | 1.73% | 1.72% | 1.69% | 1.71% | -7 bps | |
| Allowance Coverage of NPLs | 7.4x | 1.7x | 5.7x | 6.5x | 5.4x | 4.9x | 5.1x | 5.1x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 10.58% | 10.74% | 11.03% | 11.26% | 11.38% | 11.45% | 11.63% | +60 bps | |
| Total Risk-Based Capital | 13.41% | 13.62% | 13.82% | 13.81% | 13.93% | 14.42% | 14.21% | 14.02% | +21 bps | |
| Equity / Assets | 9.81% | 10.22% | 10.25% | 10.61% | 10.82% | 10.96% | 11.12% | 11.02% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.17% | 95.06% | 93.98% | 97.39% | 96.73% | 96.77% | 98.30% | 99.19% | +180 bps | |
| Liquid Assets / Assets | 7.29% | 7.66% | 7.98% | 4.89% | 5.71% | 6.67% | 4.23% | 3.88% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |