Chicago, IL · Cert 59195 · FWB Financial Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #100 of 147 inst. · $0.2B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.79% | 0.71% | 0.39% | 1.81% | 2.06% | 4.62% | 0.67% | 0.60% | -121 bps | |
| Return on Equity | 22.70% | 5.78% | 3.21% | 15.32% | 16.95% | 35.02% | 4.99% | 4.67% | -1,065 bps | |
| Net Interest Margin | 5.35% | 5.24% | 4.96% | 5.09% | 5.03% | 5.12% | 4.93% | 4.98% | -11 bps | |
| Efficiency Ratio | 58.33% | 74.30% | 88.92% | 69.71% | 68.32% | 82.64% | 83.33% | 78.18% | +848 bps | |
| Non-Interest Burden | 2.10% | 3.48% | 4.25% | 2.92% | 2.58% | 3.88% | 3.67% | 3.35% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 49.97% | 35.36% | 21.21% | 20.49% | 12.37% | 11.58% | 11.38% | 6.41% | -1,408 bps | |
| Loan Growth (YoY) | 133.93% | 45.83% | 26.14% | 12.31% | 7.36% | 3.43% | -1.15% | 2.87% | -945 bps | |
| Deposit Growth (YoY) | 57.48% | 40.77% | 28.11% | 26.82% | 8.94% | 9.41% | 9.10% | 3.99% | -2,284 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.61% | 1.52% | 1.46% | 1.41% | 1.39% | 0.77% | 0.02% | 0.12% | -129 bps | |
| Net Charge-Offs / Loans | 3.24% | 0.02% | 0.01% | -0.01% | 0.00% | 1.86% | 0.74% | -0.03% | -2 bps | |
| Allowance / Loans | 0.95% | 1.31% | 1.35% | 1.41% | 1.45% | 1.17% | 1.15% | 1.34% | -7 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.9x | 0.9x | 1.0x | 1.0x | 1.5x | 48.5x | 11.3x | +10.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.67% | 13.11% | 13.12% | 12.99% | 13.21% | 13.36% | 12.87% | 12.51% | -48 bps | |
| Total Risk-Based Capital | 13.67% | 13.11% | 13.12% | 12.99% | 13.21% | 13.36% | 12.87% | 12.51% | -48 bps | |
| Equity / Assets | 12.51% | 12.22% | 11.94% | 11.75% | 12.62% | 13.78% | 13.09% | 12.83% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.50% | 85.01% | 81.08% | 77.85% | 84.27% | 80.36% | 73.47% | 77.01% | -84 bps | |
| Liquid Assets / Assets | 14.69% | 15.12% | 15.47% | 14.70% | 11.45% | 11.47% | 17.27% | 13.97% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 347% | 343% | 335% | n/a | n/a | |