Chicago, IL · Cert 35518 · National Bcorp Holdings Inc.
State savings bank · OCC · 2 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 $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
11
Profitability
17
Liquidity
0
Efficiency
3
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.
Chicago, IL · Cert 35518 · National Bcorp Holdings Inc.
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #55 of 147 inst. · $0.7B 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 | -0.05% | 0.39% | -0.33% | 0.53% | 0.72% | 0.69% | -0.17% | 0.05% | -48 bps | |
| Return on Equity | -0.39% | 3.08% | -2.47% | 4.04% | 5.41% | 5.07% | -1.12% | 0.35% | -369 bps | |
| Net Interest Margin | 2.78% | 2.79% | 2.86% | 3.04% | 3.12% | 3.18% | 3.09% | 3.34% | +30 bps | |
| Efficiency Ratio | 98.82% | 95.58% | 101.83% | 94.76% | 94.28% | 94.22% | 102.10% | 99.72% | +496 bps | |
| Non-Interest Burden | 2.59% | 2.05% | 3.15% | 2.10% | 2.08% | 2.12% | 3.46% | 3.29% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | -0.40% | 0.71% | 3.60% | -1.96% | -3.50% | -9.71% | -11.80% | -1,540 bps | |
| Loan Growth (YoY) | 17.74% | 5.24% | 9.93% | 3.76% | 0.21% | 2.27% | -6.92% | -11.08% | -1,485 bps | |
| Deposit Growth (YoY) | 28.44% | 16.88% | 15.61% | 10.15% | -1.67% | 6.78% | -3.16% | -5.78% | -1,593 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.67% | 1.80% | 1.85% | 1.76% | 2.24% | 3.35% | 3.47% | 2.69% | +93 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.34% | 0.23% | 0.23% | 0.27% | 0.24% | 0.21% | 0.20% | -3 bps | |
| Allowance / Loans | 0.81% | 0.81% | 0.76% | 0.73% | 0.60% | 0.69% | 0.63% | 0.61% | -12 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.4x | 0.4x | 0.3x | 0.2x | 0.2x | 0.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.96% | 13.16% | 13.27% | 13.95% | 14.17% | 14.44% | 15.01% | 15.86% | +190 bps | |
| Total Risk-Based Capital | 18.30% | 18.76% | 17.93% | 18.44% | 18.60% | 20.17% | 20.89% | 20.68% | +224 bps | |
| Equity / Assets | 12.57% | 13.22% | 13.17% | 13.08% | 13.89% | 14.52% | 15.36% | 15.28% | +220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 133.67% | 127.49% | 131.52% | 138.46% | 136.22% | 122.10% | 126.42% | 130.66% | -780 bps | |
| Liquid Assets / Assets | 3.62% | 7.20% | 4.16% | 3.57% | 2.50% | 4.41% | 3.55% | 3.91% | +34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 157.56% | 137.81% | 132.28% | n/a | n/a | |
Chicago, IL · Cert 35518 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · National Bcorp Holdings Inc.
State savings bank · OCC · 2 branches
Q2 2026
Return on Assets
0.05%
Rank 31 of 31
Net Interest Margin
3.34%
Rank 15 of 31
Efficiency Ratio
99.72%
Rank 31 of 31
Equity / Assets
15.28%
Rank 1 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.05% | 1.15% | 1.39% | 1.64% | Beats 0% | 31 / 31 | ||
| Return on Equity | 0.35% | 11.05% | 13.35% | 16.66% | Beats 0% | 31 / 31 | ||
| Net Interest Margin | 3.34% | 3.00% | 3.28% | 3.75% | Beats 52% | 15 / 31 | ||
| Efficiency Ratio | 99.72% | 37.25% | 50.71% | 61.60% | Beats 3% | 31 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.69% | 0.18% | 0.41% | 1.00% | Beats 6% | 30 / 31 | ||
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.04% | 0.11% | Beats 16% | 27 / 31 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.97% | 10.88% | 11.50% | 13.72% | Beats 97% | 1 / 31 | ||
| Total Risk-Based Capital Ratio | 20.68% | 11.53% | 12.02% | 14.77% | Beats 97% | 1 / 31 | ||
| Equity / Assets | 15.28% | 8.90% | 10.15% | 11.24% | Beats 97% | 1 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 130.66% | 80.56% | 87.67% | 94.53% | 97th pctl | 1 / 31 | ||
| Loans / Assets | 89.61% | 67.81% | 73.77% | 76.85% | 97th pctl | 1 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||