Chicago, IL · Cert 57488
FDIC · 1 branch
Q4 2025
Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.0% share · #97 of 152 inst. · $0.2B of $601.9B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | 0.31% | 0.13% | -4.91% | -0.97% | -1.11% | -5.69% | -6.92% | -201 bps | |
| Return on Equity | -5.98% | 4.92% | 1.96% | -90.95% | -72.94% | -80.13% | -394% | -672% | -58,148 bps | |
| Net Interest Margin | 6.68% | 6.51% | 5.98% | 5.65% | 4.67% | 4.11% | 4.08% | 4.33% | -133 bps | |
| Efficiency Ratio | 87.62% | 83.33% | 86.64% | 90.99% | 116.97% | 121.30% | 126.30% | 123.32% | +3,233 bps | |
| Non-Interest Burden | 5.84% | 5.40% | 5.17% | 5.10% | 5.48% | 5.04% | 5.23% | 5.39% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | 0.74% | 11.11% | -1.62% | 4.73% | -3.70% | 0.91% | -4.72% | -310 bps | |
| Loan Growth (YoY) | 8.02% | 4.35% | 11.55% | 6.71% | -6.57% | -1.46% | -18.61% | -23.46% | -3,017 bps | |
| Deposit Growth (YoY) | 1.64% | -3.73% | 3.95% | 0.78% | 13.79% | 4.38% | -1.53% | -7.32% | -810 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 10.36% | 10.04% | 9.49% | 8.76% | 10.45% | 3.08% | 2.82% | -668 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 4.53% | 0.41% | 0.14% | 11.57% | 12.35% | +782 bps | |
| Allowance / Loans | 1.68% | 1.69% | 1.82% | 4.41% | 4.71% | 4.43% | 2.34% | 3.80% | -61 bps | |
| Allowance Coverage of NPLs | 9.3x | 0.2x | 0.2x | 0.5x | 0.5x | 0.4x | 0.8x | 1.3x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 10.38% | 9.94% | 4.60% | 4.64% | 4.56% | 4.43% | 1.83% | -277 bps | |
| Total Risk-Based Capital | 14.00% | 13.31% | 13.37% | 7.26% | 7.55% | 7.27% | 8.32% | 4.32% | -294 bps | |
| Equity / Assets | 6.17% | 6.17% | 6.84% | 1.26% | 1.40% | 1.49% | 1.62% | -0.75% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.48% | 83.29% | 83.01% | 81.87% | 70.18% | 78.63% | 68.61% | 67.62% | -1,426 bps | |
| Liquid Assets / Assets | 2.20% | 4.29% | 5.71% | 3.79% | 12.77% | 4.84% | 19.88% | 16.29% | +1,249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 148.30% | 432% | n/a | |