Chicago, IL · Cert 58556 · GC Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
71
Profitability
53
Liquidity
84
Efficiency
76
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.
Chicago, IL · Cert 58556 · GC Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q1 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.1% share · #84 of 152 inst. · $0.4B of $601.9B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.54% | 1.44% | 1.32% | 1.37% | 1.41% | 1.37% | 1.24% | -9 bps | |
| Return on Equity | 13.02% | 12.31% | 11.43% | 9.82% | 10.05% | 10.17% | 9.80% | 8.41% | -141 bps | |
| Net Interest Margin | 3.71% | 3.59% | 3.52% | 3.35% | 3.49% | 3.50% | 3.45% | 3.02% | -33 bps | |
| Efficiency Ratio | 53.07% | 54.37% | 56.22% | 58.49% | 57.98% | 56.98% | 57.92% | 59.73% | +124 bps | |
| Non-Interest Burden | 1.71% | 1.70% | 1.76% | 1.75% | 1.80% | 1.78% | 1.75% | 1.54% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | 3.76% | 0.86% | -0.66% | 1.88% | -2.23% | -0.94% | 2.58% | +325 bps | |
| Loan Growth (YoY) | 6.97% | 3.44% | 4.68% | -0.54% | -3.76% | -3.59% | -8.35% | -8.73% | -819 bps | |
| Deposit Growth (YoY) | -1.14% | 4.25% | -0.55% | -1.55% | 1.51% | -3.41% | -1.32% | 2.60% | +415 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.60% | 0.52% | 0.50% | 0.69% | 0.56% | 0.57% | 0.63% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 4.11% | 4.11% | 3.89% | 3.83% | 3.87% | 3.86% | 3.88% | 3.82% | -1 bps | |
| Allowance Coverage of NPLs | 7.9x | 6.8x | 7.5x | 7.6x | 5.6x | 6.8x | 6.9x | 6.0x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.84% | 13.07% | 13.23% | 13.66% | 14.19% | 14.43% | 14.73% | 14.86% | +120 bps | |
| Total Risk-Based Capital | 12.84% | 13.07% | 13.23% | 13.66% | 14.19% | 14.43% | 14.73% | 14.86% | +120 bps | |
| Equity / Assets | 13.00% | 12.86% | 13.10% | 13.80% | 14.11% | 14.52% | 14.59% | 14.79% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.10% | 94.78% | 96.48% | 99.01% | 95.85% | 94.61% | 89.60% | 88.08% | -1,093 bps | |
| Liquid Assets / Assets | 17.08% | 21.87% | 20.55% | 19.29% | 22.04% | 23.84% | 26.22% | 27.75% | +846 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 230% | 217% | 218% | n/a | |
Chicago, IL · Cert 58556 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=58-59) · GC Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q1 2026
Return on Assets
1.23%
Rank 14 of 59
Net Interest Margin
3.02%
Rank 44 of 59
Efficiency Ratio
59.73%
Rank 15 of 59
Equity / Assets
14.79%
Rank 15 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.50% | 0.81% | 1.17% | Beats 76% | 14 / 59 | ||
| Return on Equity | 8.32% | 3.03% | 7.73% | 10.80% | Beats 58% | 25 / 59 | ||
| Net Interest Margin | 3.02% | 3.01% | 3.53% | 3.99% | Beats 25% | 44 / 59 | ||
| Efficiency Ratio | 59.73% | 59.73% | 71.63% | 83.33% | Beats 76% | 15 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.05% | 0.47% | 2.10% | Beats 41% | 35 / 58 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 30 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.86% | 12.08% | 14.72% | 19.07% | Beats 51% | 29 / 59 | ||
| Total Risk-Based Capital Ratio | 14.86% | 12.87% | 15.46% | 20.26% | Beats 46% | 32 / 59 | ||
| Equity / Assets | 14.79% | 9.28% | 12.33% | 14.79% | Beats 75% | 15 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.08% | 68.84% | 84.39% | 93.37% | 58th pctl | 25 / 59 | ||
| Loans / Assets | 69.68% | 56.94% | 69.07% | 76.97% | 51st pctl | 29 / 59 | ||
| Brokered Deposits / Deposits | 6.13% | n/a | n/a | 4.34% | Beats 20% | 48 / 59 | ||