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 (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 | 0.43% | 0.52% | 0.28% | 0.39% | 0.70% | 0.40% | 0.50% | -0.89% | -128 bps | |
| Return on Equity | 4.82% | 5.98% | 3.25% | 4.44% | 7.86% | 4.60% | 5.68% | -10.30% | -1,473 bps | |
| Net Interest Margin | 2.22% | 2.29% | 2.15% | 2.12% | 2.58% | 2.43% | 2.41% | 2.59% | +46 bps | |
| Efficiency Ratio | 70.41% | 68.55% | 79.88% | 76.85% | 63.25% | 72.00% | 71.89% | 151.89% | +7,504 bps | |
| Non-Interest Burden | 1.54% | 1.55% | 1.71% | 1.62% | 1.62% | 1.73% | 1.72% | 3.81% | +219 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 | 0.08% | 0.10% | 0.06% | 0.03% | 0.00% | 0.20% | -0.03% | 0.07% | +4 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 | |