PackageTrendsPeer
Letter portraitLegal landscape

American Eagle Bank

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

$484.7MAssets
$442.8MLoans
$363.1MDeposits
$40.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 11 of 56).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 57).
  • Overall: at or above the peer median on 1 of 9 directional measures.

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

Non-interest income vs. expense

-$0.5M$12.8MINCOMEEXPENSE
Unfavorable gap of $13.2M · efficiency ratio beats 4% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 110.80%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer 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 Margin2.51%3.16%3.63%4.08%Beats 7%53 / 57
Efficiency Ratio110.80%59.57%69.70%81.06%Beats 4%56 / 57
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.34%1.78%Beats 82%11 / 56
Net Charge-Offs / Loans0.06%n/a0.00%0.01%Beats 12%50 / 56
Capital
Tier 1 Capital Ratio9.49%12.24%16.06%19.69%Beats 4%55 / 57
Total Risk-Based Capital Ratio9.75%12.54%16.50%20.95%Beats 4%55 / 57
Equity / Assets8.40%9.37%11.56%15.00%Beats 11%51 / 57
Liquidity & Funding
Loans / Deposits121.96%66.29%85.59%95.16%96th pctl2 / 57
Loans / Assets91.35%57.07%71.07%78.13%96th pctl2 / 57
Brokered Deposits / Depositsn/aNot reported for this institution