South Elgin, IL · Cert 57359 · Orchid Financial Bcorp Inc.
State charter, non-member · FDIC · 2 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
6
Asset Quality
47
Profitability
6
Liquidity
0
Efficiency
4
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.
South Elgin, IL · Cert 57359 · Orchid Financial Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #78 of 147 inst. · $0.4B 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 | 0.40% | 0.43% | 0.28% | 0.34% | 0.46% | 0.44% | 0.50% | -0.19% | -53 bps | |
| Return on Equity | 4.46% | 4.84% | 3.25% | 3.87% | 5.22% | 5.06% | 5.68% | -2.21% | -607 bps | |
| Net Interest Margin | 1.98% | 1.99% | 2.15% | 2.12% | 2.28% | 2.29% | 2.41% | 2.51% | +39 bps | |
| Efficiency Ratio | 70.99% | 70.29% | 79.88% | 78.37% | 72.69% | 72.51% | 71.89% | 110.80% | +3,243 bps | |
| Non-Interest Burden | 1.39% | 1.38% | 1.71% | 1.65% | 1.65% | 1.65% | 1.72% | 2.77% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.02% | 7.82% | 11.30% | 6.99% | 5.76% | 4.81% | 0.94% | 1.84% | -516 bps | |
| Loan Growth (YoY) | 8.30% | 11.48% | 13.80% | 6.86% | 8.39% | 5.07% | 5.19% | 11.08% | +422 bps | |
| Deposit Growth (YoY) | 5.76% | 4.60% | 6.73% | 11.98% | 7.90% | 1.89% | 0.80% | -2.89% | -1,487 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.04% | 0.03% | 0.02% | 0.04% | 0.04% | 0.04% | +1 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.09% | 0.06% | 0.04% | 0.03% | 0.07% | -0.03% | 0.02% | -3 bps | |
| Allowance / Loans | 0.37% | 0.33% | 0.32% | 0.31% | 0.29% | 0.27% | 0.26% | 0.26% | -5 bps | |
| Allowance Coverage of NPLs | 8.0x | 8.1x | 8.8x | 10.9x | 15.9x | 7.0x | 7.1x | 7.2x | -3.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 8.83% | 9.07% | 8.90% | 9.01% | 8.89% | 8.95% | 8.53% | -37 bps | |
| Total Risk-Based Capital | 10.71% | 10.54% | 10.55% | 10.85% | 10.52% | 10.59% | 10.51% | 9.75% | -110 bps | |
| Equity / Assets | 8.69% | 8.60% | 8.78% | 8.94% | 8.80% | 8.68% | 8.81% | 8.40% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.69% | 110.80% | 111.98% | 106.61% | 111.20% | 114.26% | 116.86% | 121.96% | +1,534 bps | |
| Liquid Assets / Assets | 13.05% | 11.02% | 11.50% | 13.45% | 11.06% | 10.87% | 7.98% | 6.06% | -739 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 389% | 410% | 436% | n/a | n/a | |
South Elgin, IL · Cert 57359 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Orchid Financial Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-0.19%
Rank 54 of 57
Net Interest Margin
2.51%
Rank 53 of 57
Efficiency Ratio
110.80%
Rank 56 of 57
Equity / Assets
8.40%
Rank 51 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.19% | 0.51% | 0.84% | 1.19% | Beats 5% | 54 / 57 | ||
| Return on Equity | -2.30% | 3.13% | 7.76% | 11.40% | Beats 5% | 54 / 57 | ||
| Net Interest Margin | 2.51% | 3.16% | 3.63% | 4.08% | Beats 7% | 53 / 57 | ||
| Efficiency Ratio | 110.80% | 59.57% | 69.70% | 81.06% | Beats 4% | 56 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.06% | 0.34% | 1.78% | Beats 82% | 11 / 56 | ||
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.01% | Beats 12% | 50 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.49% | 12.24% | 16.06% | 19.69% | Beats 4% | 55 / 57 | ||
| Total Risk-Based Capital Ratio | 9.75% | 12.54% | 16.50% | 20.95% | Beats 4% | 55 / 57 | ||
| Equity / Assets | 8.40% | 9.37% | 11.56% | 15.00% | Beats 11% | 51 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 121.96% | 66.29% | 85.59% | 95.16% | 96th pctl | 2 / 57 | ||
| Loans / Assets | 91.35% | 57.07% | 71.07% | 78.13% | 96th pctl | 2 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||