Joliet, IL · Cert 58597 · PFB Holding Co.
State charter, non-member · FDIC · 2 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 under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
40
Profitability
54
Liquidity
92
Efficiency
60
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.
Joliet, IL · Cert 58597 · PFB Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #94 of 147 inst. · $0.2B 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 | 1.00% | 0.95% | 0.91% | 1.42% | 1.33% | 1.01% | 0.99% | 1.14% | -28 bps | |
| Return on Equity | 9.37% | 8.89% | 8.11% | 12.60% | 11.70% | 8.82% | 8.23% | 9.51% | -308 bps | |
| Net Interest Margin | 2.51% | 2.56% | 2.81% | 3.15% | 3.17% | 3.22% | 3.21% | 3.25% | +10 bps | |
| Efficiency Ratio | 55.31% | 61.32% | 75.81% | 64.14% | 65.20% | 57.59% | 69.59% | 66.03% | +189 bps | |
| Non-Interest Burden | 0.46% | 0.76% | 1.69% | 1.33% | 1.41% | 1.08% | 1.77% | 1.59% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.52% | 5.43% | -3.27% | -2.98% | 2.51% | -0.21% | -0.40% | 2.25% | +523 bps | |
| Loan Growth (YoY) | -7.53% | -4.93% | -1.90% | -3.58% | 6.20% | 2.04% | 0.06% | 7.15% | +1,073 bps | |
| Deposit Growth (YoY) | 1.39% | 8.61% | -9.56% | -6.60% | -1.11% | -5.49% | -1.54% | -0.73% | +587 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 1.43% | 1.52% | 0.39% | 0.42% | 0.20% | 0.15% | 0.13% | -26 bps | |
| Net Charge-Offs / Loans | 1.13% | 0.79% | -0.15% | -0.13% | -0.09% | 1.17% | 0.10% | 0.03% | +16 bps | |
| Allowance / Loans | 1.36% | 1.34% | 1.35% | 1.30% | 1.30% | 1.32% | 1.34% | 1.31% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.9x | 0.9x | 3.3x | 3.1x | 6.6x | 8.9x | 10.0x | +6.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.85% | 11.11% | 11.14% | 12.04% | 11.91% | 11.75% | 12.10% | 12.35% | +31 bps | |
| Total Risk-Based Capital | 16.72% | 16.61% | 16.78% | 17.72% | 17.42% | 17.63% | 18.01% | 17.56% | -16 bps | |
| Equity / Assets | 11.04% | 10.68% | 11.71% | 11.50% | 11.64% | 11.54% | 12.59% | 11.86% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.88% | 75.06% | 90.32% | 81.25% | 83.64% | 81.05% | 91.78% | 87.70% | +644 bps | |
| Liquid Assets / Assets | 8.26% | 13.07% | 7.07% | 13.31% | 10.21% | 8.49% | 2.87% | 6.28% | -703 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 462% | 475% | 475% | n/a | n/a | |
Joliet, IL · Cert 58597 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · PFB Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.11%
Rank 19 of 57
Net Interest Margin
3.25%
Rank 39 of 57
Efficiency Ratio
66.03%
Rank 24 of 57
Equity / Assets
11.86%
Rank 28 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.51% | 0.84% | 1.19% | Beats 67% | 19 / 57 | ||
| Return on Equity | 9.34% | 3.13% | 7.76% | 11.40% | Beats 63% | 21 / 57 | ||
| Net Interest Margin | 3.25% | 3.16% | 3.63% | 4.08% | Beats 32% | 39 / 57 | ||
| Efficiency Ratio | 66.03% | 59.57% | 69.70% | 81.06% | Beats 60% | 24 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.06% | 0.34% | 1.78% | Beats 62% | 22 / 56 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.01% | Beats 18% | 47 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.31% | 12.24% | 16.06% | 19.69% | Beats 51% | 28 / 57 | ||
| Total Risk-Based Capital Ratio | 17.56% | 12.54% | 16.50% | 20.95% | Beats 54% | 26 / 57 | ||
| Equity / Assets | 11.86% | 9.37% | 11.56% | 15.00% | Beats 51% | 28 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.70% | 66.29% | 85.59% | 95.16% | 56th pctl | 25 / 57 | ||
| Loans / Assets | 69.70% | 57.07% | 71.07% | 78.13% | 46th pctl | 31 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||