PackageTrendsPeer
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Town Center Bank

Frankfort, IL · Cert 58214 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · TC Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$180.6MAssets
$142.2MLoans
$138.3MDeposits
$20.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 56).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.25%

Rank 47 of 57

Net Interest Margin

3.87%

Rank 21 of 57

Efficiency Ratio

72.95%

Rank 32 of 57

Equity / Assets

11.31%

Rank 31 of 57

Non-interest income vs. expense

$0.6M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 46% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 72.95%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.25%0.51%0.84%1.19%Beats 18%47 / 57
Return on Equity2.19%3.13%7.76%11.40%Beats 23%44 / 57
Net Interest Margin3.87%3.16%3.63%4.08%Beats 63%21 / 57
Efficiency Ratio72.95%59.57%69.70%81.06%Beats 46%32 / 57
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%1.78%Beats 100%9 / 56
Net Charge-Offs / Loans0.45%n/a0.00%0.01%Beats 4%55 / 56
Capital
Tier 1 Capital Ratio12.24%12.24%16.06%19.69%Beats 25%43 / 57
Total Risk-Based Capital Ratio13.16%12.54%16.50%20.95%Beats 30%40 / 57
Equity / Assets11.31%9.37%11.56%15.00%Beats 46%31 / 57
Liquidity & Funding
Loans / Deposits102.79%66.29%85.59%95.16%86th pctl8 / 57
Loans / Assets78.69%57.07%71.07%78.13%77th pctl13 / 57
Brokered Deposits / Depositsn/aNot reported for this institution