Frankfort, IL · Cert 58214 · TC Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #108 of 147 inst. · $0.1B of $630.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.97% | 0.80% | 0.82% | 0.89% | 0.92% | 0.70% | 0.25% | -57 bps | |
| Return on Equity | 8.25% | 8.47% | 7.09% | 7.11% | 7.69% | 8.03% | 6.03% | 2.19% | -492 bps | |
| Net Interest Margin | 4.07% | 4.03% | 3.60% | 3.73% | 3.83% | 3.80% | 3.76% | 3.87% | +14 bps | |
| Efficiency Ratio | 68.45% | 67.53% | 71.39% | 70.80% | 68.73% | 67.39% | 73.87% | 72.95% | +214 bps | |
| Non-Interest Burden | 2.69% | 2.64% | 2.46% | 2.53% | 2.51% | 2.44% | 2.68% | 2.72% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.36% | 11.99% | 18.30% | 5.66% | 3.03% | 8.51% | 3.67% | 11.22% | +556 bps | |
| Loan Growth (YoY) | 7.18% | 8.37% | 1.76% | 5.06% | 8.86% | 11.95% | 17.41% | 13.25% | +818 bps | |
| Deposit Growth (YoY) | 23.81% | 13.83% | 22.74% | 5.45% | -2.12% | 7.49% | 3.52% | 14.00% | +855 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.36% | 2.27% | 2.23% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.04% | 0.05% | 0.06% | 0.04% | 0.04% | -0.01% | 0.87% | +82 bps | |
| Allowance / Loans | 1.23% | 1.21% | 1.24% | 1.12% | 1.12% | 1.09% | 1.11% | 1.06% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.5x | 0.5x | 0.5x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.87% | 11.03% | 10.81% | 11.39% | 11.62% | 11.54% | 11.38% | 11.38% | -1 bps | |
| Total Risk-Based Capital | 14.25% | 14.54% | 15.18% | 14.47% | 14.25% | 14.27% | 13.97% | 13.16% | -130 bps | |
| Equity / Assets | 11.17% | 11.27% | 11.31% | 11.96% | 11.73% | 11.33% | 11.75% | 11.31% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.69% | 94.54% | 89.57% | 103.48% | 105.31% | 98.45% | 101.59% | 102.79% | -69 bps | |
| Liquid Assets / Assets | 12.05% | 10.34% | 13.77% | 6.06% | 7.73% | 12.41% | 9.26% | 6.73% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 434% | 438% | 446% | n/a | n/a | |