Manhattan, IL · Cert 3702 · Manhattan Bancshares Inc.
State charter, Fed member · FED · 3 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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
78
Profitability
58
Liquidity
28
Efficiency
68
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.
Manhattan, IL · Cert 3702 · Manhattan Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #92 of 147 inst. · $0.2B 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 | 0.39% | 0.44% | 0.59% | 0.64% | 0.69% | 0.76% | 0.83% | 1.12% | +47 bps | |
| Return on Equity | 5.29% | 5.83% | 7.16% | 7.76% | 8.27% | 8.84% | 8.85% | 11.74% | +398 bps | |
| Net Interest Margin | 2.48% | 2.43% | 2.80% | 2.90% | 2.84% | 2.86% | 3.16% | 3.47% | +57 bps | |
| Efficiency Ratio | 82.10% | 80.49% | 75.45% | 73.70% | 71.64% | 70.09% | 69.09% | 61.98% | -1,171 bps | |
| Non-Interest Burden | 1.99% | 1.91% | 2.05% | 2.07% | 1.96% | 1.92% | 2.09% | 2.03% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.73% | 6.25% | 6.82% | 6.71% | 3.24% | -0.17% | 2.27% | -1.54% | -825 bps | |
| Loan Growth (YoY) | 6.12% | 3.00% | -0.18% | -1.51% | -0.31% | -1.41% | -1.41% | 6.36% | +788 bps | |
| Deposit Growth (YoY) | 3.03% | 5.21% | 5.60% | 5.58% | 2.28% | -1.65% | 1.13% | -3.03% | -861 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.02% | 0.02% | 0.04% | 0.02% | 0.02% | 0.00% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | -0.23% | -23 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.08% | 1.10% | 1.11% | 1.10% | 1.10% | 1.16% | +6 bps | |
| Allowance Coverage of NPLs | 4.9x | 51.9x | 52.6x | 26.2x | 53.6x | 53.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.05% | 8.80% | 9.24% | 9.34% | 9.11% | 9.13% | 9.81% | 10.16% | +81 bps | |
| Total Risk-Based Capital | 18.70% | 19.39% | 19.67% | 19.97% | 19.70% | 20.30% | 20.26% | 20.51% | +54 bps | |
| Equity / Assets | 7.68% | 8.02% | 8.50% | 8.37% | 8.49% | 9.36% | 9.45% | 9.69% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.04% | 61.02% | 62.21% | 57.81% | 57.55% | 61.16% | 60.65% | 63.42% | +560 bps | |
| Liquid Assets / Assets | 14.14% | 12.20% | 12.37% | 15.05% | 17.32% | 10.82% | 15.91% | 14.70% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 255% | 240% | n/a | n/a | |
Manhattan, IL · Cert 3702 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Manhattan Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
1.10%
Rank 21 of 57
Net Interest Margin
3.47%
Rank 34 of 57
Efficiency Ratio
61.98%
Rank 19 of 57
Equity / Assets
9.69%
Rank 40 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.51% | 0.84% | 1.19% | Beats 63% | 21 / 57 | ||
| Return on Equity | 11.40% | 3.13% | 7.76% | 11.40% | Beats 72% | 16 / 57 | ||
| Net Interest Margin | 3.47% | 3.16% | 3.63% | 4.08% | Beats 40% | 34 / 57 | ||
| Efficiency Ratio | 61.98% | 59.57% | 69.70% | 81.06% | Beats 68% | 19 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.34% | 1.78% | Beats 100% | 9 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 55% | 26 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.26% | 12.24% | 16.06% | 19.69% | Beats 70% | 17 / 57 | ||
| Total Risk-Based Capital Ratio | 20.51% | 12.54% | 16.50% | 20.95% | Beats 72% | 16 / 57 | ||
| Equity / Assets | 9.69% | 9.37% | 11.56% | 15.00% | Beats 30% | 40 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.42% | 66.29% | 85.59% | 95.16% | 18th pctl | 47 / 57 | ||
| Loans / Assets | 57.07% | 57.07% | 71.07% | 78.13% | 25th pctl | 43 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||