Servbank, National Association
Oswego, IL · Cert 55130 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Servbanc Holdco Inc.
National charter · OCC · 8 branches
Q2 2026
$1.7BAssets
$1.1BLoans
$1.2BDeposits
$221.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 31).
- Widest gap: efficiency ratio trails 84% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 27 of 31).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.91%
Rank 4 of 31
Net Interest Margin
3.85%
Rank 7 of 31
Efficiency Ratio
71.08%
Rank 27 of 31
Equity / Assets
13.00%
Rank 4 of 31
Non-interest income vs. expense
Unfavorable gap of $21.3M · efficiency ratio beats 16% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.91% | 1.15% | 1.39% | 1.64% | Beats 87% | 4 / 31 | |
| Return on Equity | 14.68% | 11.05% | 13.35% | 16.66% | Beats 68% | 10 / 31 | |
| Net Interest Margin | 3.85% | 3.00% | 3.28% | 3.75% | Beats 77% | 7 / 31 | |
| Efficiency Ratio | 71.08% | 37.25% | 50.71% | 61.60% | Beats 16% | 27 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.18% | 0.41% | 1.00% | Beats 42% | 19 / 31 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.11% | Beats 84% | 6 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 11.81% | 10.88% | 11.50% | 13.72% | Beats 55% | 14 / 31 | |
| Total Risk-Based Capital Ratio | 11.81% | 11.53% | 12.02% | 14.77% | Beats 39% | 19 / 31 | |
| Equity / Assets | 13.00% | 8.90% | 10.15% | 11.24% | Beats 87% | 4 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 87.67% | 80.56% | 87.67% | 94.53% | 48th pctl | 16 / 31 | |
| Loans / Assets | 62.87% | 67.81% | 73.77% | 76.85% | 3rd pctl | 30 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |