Wheaton, IL · Cert 3674 · Premier Commerce Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #82 of 147 inst. · $0.3B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.68% | 1.56% | 1.52% | 1.39% | 1.37% | 1.63% | 1.83% | +31 bps | |
| Return on Equity | 10.68% | 12.51% | 11.60% | 11.65% | 11.19% | 11.05% | 12.31% | 13.37% | +172 bps | |
| Net Interest Margin | 4.92% | 5.42% | 4.97% | 4.98% | 4.93% | 4.93% | 5.24% | 5.42% | +43 bps | |
| Efficiency Ratio | 60.17% | 59.12% | 56.78% | 57.76% | 60.72% | 54.98% | 54.09% | 51.71% | -606 bps | |
| Non-Interest Burden | 2.89% | 3.13% | 2.75% | 2.81% | 2.94% | 2.65% | 2.74% | 2.74% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.43% | 8.68% | 8.20% | 12.75% | 21.29% | 16.68% | 7.91% | 4.98% | -776 bps | |
| Loan Growth (YoY) | 4.96% | 2.40% | 6.39% | 2.90% | 10.52% | 9.93% | 7.73% | 9.00% | +611 bps | |
| Deposit Growth (YoY) | 11.66% | 8.34% | 7.78% | 13.09% | 22.86% | 17.61% | 7.37% | 3.71% | -938 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.00% | 0.29% | 0.41% | 0.42% | 0.35% | 0.56% | 0.76% | +35 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.01% | -0.01% | -0.01% | -0.01% | 0.46% | -0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.12% | 1.11% | 1.04% | 1.06% | 1.07% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | 7.9x | n/a | 3.8x | 2.7x | 2.5x | 3.0x | 1.9x | 1.4x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.25% | 13.21% | 13.31% | 12.88% | 12.36% | 12.37% | 13.53% | 13.77% | +89 bps | |
| Total Risk-Based Capital | 13.25% | 13.21% | 13.31% | 12.88% | 12.36% | 12.37% | 13.53% | 13.77% | +89 bps | |
| Equity / Assets | 13.34% | 13.55% | 13.41% | 12.73% | 12.09% | 12.72% | 13.71% | 13.67% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.95% | 91.09% | 90.42% | 84.61% | 83.61% | 85.14% | 90.72% | 88.93% | +432 bps | |
| Liquid Assets / Assets | 17.99% | 20.01% | 20.41% | 24.78% | 25.80% | 24.95% | 20.93% | 22.29% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 520% | 507% | 506% | n/a | n/a | |