Wheaton, IL · Cert 57150
FDIC
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | 4.81% | 3.02% | -0.70% | 1.68% | +178 bps | |
| Return on Equity | -0.11% | 4.97% | 3.14% | -0.73% | 1.77% | +188 bps | |
| Net Interest Margin | 3.91% | 4.20% | 3.63% | 3.47% | 3.55% | -36 bps | |
| Efficiency Ratio | 100.63% | 83.91% | 89.36% | 102.01% | 94.78% | -585 bps | |
| Non-Interest Burden | 4.12% | -1.95% | -0.20% | 4.17% | 1.58% | -254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.87% | 0.59% | 2.81% | 1.78% | 4.33% | +520 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 96.65% | 97.41% | 96.70% | 94.94% | 94.70% | -195 bps | |
| Total Risk-Based Capital | 948% | 878% | 902% | 832% | 834% | -11,486 bps | |
| Equity / Assets | 96.88% | 96.38% | 96.04% | 94.47% | 95.01% | -187 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 77.17% | 75.90% | 75.07% | 73.98% | 74.07% | -311 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |