Rosemont, IL · Cert 58264 · Signature Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
47
Profitability
31
Liquidity
0
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rosemont, IL · Cert 58264 · Signature Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #39 of 147 inst. · $1.8B 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 | 1.80% | 1.76% | 1.89% | 1.85% | 1.88% | 1.87% | 1.58% | 0.07% | -179 bps | |
| Return on Equity | 23.68% | 23.24% | 22.56% | 21.12% | 20.48% | 19.76% | 14.25% | 0.62% | -2,049 bps | |
| Net Interest Margin | 3.75% | 3.59% | 3.85% | 4.09% | 4.05% | 3.92% | 3.84% | 3.90% | -19 bps | |
| Efficiency Ratio | 40.75% | 40.69% | 40.30% | 40.75% | 40.09% | 41.37% | 43.70% | 41.73% | +98 bps | |
| Non-Interest Burden | 1.28% | 1.23% | 1.32% | 1.42% | 1.37% | 1.38% | 1.39% | 1.33% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.11% | 21.37% | 0.24% | 2.07% | -2.84% | -8.46% | 1.30% | 3.54% | +146 bps | |
| Loan Growth (YoY) | 5.46% | 5.66% | 3.57% | 5.16% | 6.79% | 5.30% | 11.81% | 8.89% | +373 bps | |
| Deposit Growth (YoY) | 7.82% | 22.52% | 2.12% | 4.27% | 2.41% | -7.07% | 2.36% | 6.18% | +191 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.73% | 1.83% | 1.61% | 1.36% | 3.14% | 3.49% | 5.20% | 0.05% | -131 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.17% | -0.03% | -0.02% | 0.13% | 0.10% | -0.01% | 3.73% | +375 bps | |
| Allowance / Loans | 1.03% | 1.07% | 1.06% | 1.09% | 1.01% | 1.02% | 1.09% | 1.01% | -7 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.8x | 0.3x | 0.3x | 0.2x | 22.1x | +21.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.12% | 9.96% | 10.92% | 11.97% | 12.30% | 12.18% | 13.41% | 12.42% | +45 bps | |
| Total Risk-Based Capital | 15.58% | 15.86% | 16.36% | 17.03% | 16.82% | 17.20% | 17.05% | 16.98% | -5 bps | |
| Equity / Assets | 8.21% | 7.55% | 9.34% | 9.58% | 10.35% | 10.79% | 11.40% | 10.40% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.61% | 65.21% | 72.78% | 71.53% | 73.63% | 73.89% | 79.50% | 73.36% | +183 bps | |
| Liquid Assets / Assets | 19.56% | 23.88% | 12.92% | 15.41% | 13.21% | 15.36% | 9.02% | 15.09% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 263% | 245% | 248% | n/a | n/a | |
Rosemont, IL · Cert 58264 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Signature Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.07%
Rank 30 of 31
Net Interest Margin
3.90%
Rank 4 of 31
Efficiency Ratio
41.73%
Rank 10 of 31
Equity / Assets
10.40%
Rank 12 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.07% | 1.15% | 1.39% | 1.64% | Beats 3% | 30 / 31 | ||
| Return on Equity | 0.63% | 11.05% | 13.35% | 16.66% | Beats 3% | 30 / 31 | ||
| Net Interest Margin | 3.90% | 3.00% | 3.28% | 3.75% | Beats 87% | 4 / 31 | ||
| Efficiency Ratio | 41.73% | 37.25% | 50.71% | 61.60% | Beats 71% | 10 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.18% | 0.41% | 1.00% | Beats 90% | 4 / 31 | ||
| Net Charge-Offs / Loans | 1.91% | 0.00% | 0.04% | 0.11% | Beats 3% | 31 / 31 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.08% | 10.88% | 11.50% | 13.72% | Beats 94% | 2 / 31 | ||
| Total Risk-Based Capital Ratio | 16.98% | 11.53% | 12.02% | 14.77% | Beats 94% | 2 / 31 | ||
| Equity / Assets | 10.40% | 8.90% | 10.15% | 11.24% | Beats 61% | 12 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.36% | 80.56% | 87.67% | 94.53% | 3rd pctl | 30 / 31 | ||
| Loans / Assets | 65.38% | 67.81% | 73.77% | 76.85% | 13th pctl | 27 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||