Brook, IN · Cert 8067
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #115 of 147 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.85% | 0.89% | 1.07% | 1.08% | +29 bps | |
| Return on Equity | 9.24% | 9.87% | 10.34% | 12.32% | 12.53% | +329 bps | |
| Net Interest Margin | 2.92% | 2.92% | 2.91% | 3.28% | 3.27% | +35 bps | |
| Efficiency Ratio | 63.90% | 62.31% | 61.15% | 56.18% | 55.56% | -833 bps | |
| Non-Interest Burden | 1.79% | 1.72% | 1.69% | 1.75% | 1.73% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.01% | 6.17% | 8.74% | 9.20% | 11.18% | +417 bps | |
| Loan Growth (YoY) | 4.51% | 6.31% | 14.35% | 14.92% | 15.20% | +1,069 bps | |
| Deposit Growth (YoY) | 11.37% | 8.29% | 9.39% | 7.08% | 9.38% | -199 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.37% | 0.48% | 0.47% | 0.44% | +1 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.02% | -0.01% | -0.03% | 0 bps | |
| Allowance / Loans | 1.00% | 0.97% | 0.96% | 0.99% | 1.01% | +1 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.6x | 2.0x | 2.1x | 2.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.73% | 9.57% | 9.18% | 9.32% | 9.41% | -32 bps | |
| Total Risk-Based Capital | 9.73% | 9.57% | 9.18% | 9.32% | 9.41% | -32 bps | |
| Equity / Assets | 8.59% | 8.76% | 8.64% | 8.68% | 8.64% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.32% | 97.21% | 101.42% | 99.75% | 98.29% | +497 bps | |
| Liquid Assets / Assets | 0.11% | 0.16% | 0.11% | 0.29% | 0.09% | -2 bps | |
| CRE / Total Capital | n/a | 165.21% | 166.40% | 158.24% | n/a | n/a | |