Beverly Bank & Trust Company, National Association
Chicago, IL · Cert 57701 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)
Q2 2026
$2.7BAssets
$2.1BLoans
$2.3BDeposits
$265.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 71% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 31).
- Widest gap: net charge-offs / loans trails 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 28 of 31).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.58%
Rank 9 of 31
Net Interest Margin
3.49%
Rank 13 of 31
Efficiency Ratio
57.99%
Rank 21 of 31
Equity / Assets
9.86%
Rank 20 of 31
Non-interest income vs. expense
Unfavorable gap of $30.3M · efficiency ratio beats 35% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 1.15% | 1.39% | 1.64% | Beats 71% | 9 / 31 | | |
| Return on Equity | 16.04% | 11.05% | 13.35% | 16.66% | Beats 71% | 9 / 31 | | |
| Net Interest Margin | 3.49% | 3.00% | 3.28% | 3.75% | Beats 58% | 13 / 31 | | |
| Efficiency Ratio | 57.99% | 37.25% | 50.71% | 61.60% | Beats 35% | 21 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.18% | 0.41% | 1.00% | Beats 55% | 15 / 31 | | |
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.04% | 0.11% | Beats 13% | 28 / 31 | | |
| Capital |
| Tier 1 Capital Ratio | 11.43% | 10.88% | 11.50% | 13.72% | Beats 45% | 17 / 31 | | |
| Total Risk-Based Capital Ratio | 12.10% | 11.53% | 12.02% | 14.77% | Beats 52% | 15 / 31 | | |
| Equity / Assets | 9.86% | 8.90% | 10.15% | 11.24% | Beats 35% | 20 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.05% | 80.56% | 87.67% | 94.53% | 65th pctl | 11 / 31 | | |
| Loans / Assets | 76.85% | 67.81% | 73.77% | 76.85% | 74th pctl | 8 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |