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 | |