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 | |