Oswego, IL · Cert 55130 · Servbanc Holdco Inc.
National charter · OCC · 8 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #67 of 147 inst. · $0.5B 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 | 7.77% | 4.70% | 4.55% | 4.83% | 3.59% | 2.75% | 1.99% | 2.22% | -261 bps | |
| Return on Equity | 41.45% | 23.40% | 21.87% | 23.38% | 17.96% | 14.92% | 13.88% | 17.47% | -591 bps | |
| Net Interest Margin | 5.49% | 4.76% | 4.72% | 5.05% | 4.65% | 4.56% | 4.86% | 4.48% | -57 bps | |
| Efficiency Ratio | 51.03% | 64.49% | 62.76% | 62.77% | 67.62% | 72.09% | 74.49% | 66.84% | +407 bps | |
| Non-Interest Burden | -5.12% | -1.85% | -2.03% | -1.60% | -0.47% | 0.98% | 1.59% | 1.49% | +310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.80% | 23.63% | 21.04% | 17.44% | 22.18% | 21.79% | 88.29% | 82.49% | +6,505 bps | |
| Loan Growth (YoY) | 73.02% | 74.88% | 72.38% | 87.28% | 117.71% | 105.17% | 289% | 190.23% | +10,296 bps | |
| Deposit Growth (YoY) | 16.96% | 20.68% | 19.29% | 15.57% | 25.99% | 39.66% | 144.85% | 123.20% | +10,763 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 1.26% | 1.07% | 1.09% | 0.82% | 0.50% | 0.48% | 0.59% | -50 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | -0.02% | 0.30% | -0.06% | -0.01% | -0.07% | 0.00% | -30 bps | |
| Allowance / Loans | 1.06% | 1.16% | 1.18% | 1.21% | 1.21% | 1.07% | 1.63% | 1.03% | -19 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 1.1x | 1.1x | 1.5x | 2.2x | 3.4x | 1.7x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.72% | 19.22% | 21.90% | 20.61% | 19.60% | 15.82% | 16.43% | 11.81% | -879 bps | |
| Total Risk-Based Capital | 18.72% | 19.22% | 21.90% | 20.61% | 19.60% | 15.82% | 16.43% | 11.81% | -879 bps | |
| Equity / Assets | 18.84% | 21.43% | 20.27% | 21.04% | 19.10% | 17.70% | 12.40% | 13.00% | -803 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.66% | 57.83% | 58.07% | 67.43% | 70.26% | 84.95% | 92.36% | 87.67% | +2,025 bps | |
| Liquid Assets / Assets | 39.62% | 30.16% | 38.34% | 35.21% | 36.45% | 27.04% | 10.80% | 14.47% | -2,073 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 134.69% | 197.19% | 373% | n/a | n/a | |