Fwbank
Chicago, IL · Cert 59195 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · FWB Financial Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$206.7MAssets
$135.6MLoans
$176.1MDeposits
$26.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 57).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 53 of 56).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.62%
Rank 36 of 57
Net Interest Margin
4.85%
Rank 3 of 57
Efficiency Ratio
80.68%
Rank 42 of 57
Equity / Assets
12.83%
Rank 25 of 57
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 28% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.51% | 0.84% | 1.19% | Beats 37% | 36 / 57 | |
| Return on Equity | 4.82% | 3.13% | 7.76% | 11.40% | Beats 35% | 37 / 57 | |
| Net Interest Margin | 4.85% | 3.16% | 3.63% | 4.08% | Beats 95% | 3 / 57 | |
| Efficiency Ratio | 80.68% | 59.57% | 69.70% | 81.06% | Beats 28% | 42 / 57 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.06% | 0.34% | 1.78% | Beats 68% | 19 / 56 | |
| Net Charge-Offs / Loans | 0.17% | n/a | 0.00% | 0.01% | Beats 7% | 53 / 56 | |
| Capital |
| Tier 1 Capital Ratio | 12.51% | 12.24% | 16.06% | 19.69% | Beats 26% | 42 / 57 | |
| Total Risk-Based Capital Ratio | 12.51% | 12.54% | 16.50% | 20.95% | Beats 23% | 44 / 57 | |
| Equity / Assets | 12.83% | 9.37% | 11.56% | 15.00% | Beats 56% | 25 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 77.01% | 66.29% | 85.59% | 95.16% | 33rd pctl | 38 / 57 | |
| Loans / Assets | 65.63% | 57.07% | 71.07% | 78.13% | 37th pctl | 36 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |