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 | |