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Old Plank Trail Community Bank, National Association

New Lenox, IL · Cert 58314 · 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 · 16 branches (213 in holding)

Q2 2026

$3.5BAssets
$2.5BLoans
$3.1BDeposits
$294.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 10 of 31).
  • Widest gap: equity / assets trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.14%

Rank 26 of 31

Net Interest Margin

3.00%

Rank 23 of 31

Efficiency Ratio

47.74%

Rank 15 of 31

Equity / Assets

8.34%

Rank 30 of 31

Non-interest income vs. expense

$8.5M$53.3MINCOMEEXPENSE
Unfavorable gap of $44.7M · efficiency ratio beats 55% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 47.74%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%1.15%1.39%1.64%Beats 16%26 / 31
Return on Equity13.69%11.05%13.35%16.66%Beats 55%14 / 31
Net Interest Margin3.00%3.00%3.28%3.75%Beats 26%23 / 31
Efficiency Ratio47.74%37.25%50.71%61.60%Beats 55%15 / 31
Asset Quality
Nonperforming Loans / Loans0.28%0.18%0.41%1.00%Beats 71%10 / 31
Net Charge-Offs / Loans0.14%0.00%0.04%0.11%Beats 23%25 / 31
Capital
Tier 1 Capital Ratio10.81%10.88%11.50%13.72%Beats 19%25 / 31
Total Risk-Based Capital Ratio11.46%11.53%12.02%14.77%Beats 16%26 / 31
Equity / Assets8.34%8.90%10.15%11.24%Beats 3%30 / 31
Liquidity & Funding
Loans / Deposits80.28%80.56%87.67%94.53%19th pctl25 / 31
Loans / Assets70.88%67.81%73.77%76.85%35th pctl20 / 31
Brokered Deposits / Depositsn/aNot reported for this institution