Geneva, IL · Cert 925 · Geneva Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #117 of 147 inst. · $0.1B 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 | 1.00% | 0.51% | 0.26% | 0.52% | 0.59% | 0.63% | 0.60% | 0.46% | -6 bps | |
| Return on Equity | 9.64% | 4.90% | 2.55% | 5.18% | 5.79% | 6.04% | 5.79% | 4.32% | -85 bps | |
| Net Interest Margin | 3.47% | 3.43% | 3.11% | 3.18% | 3.25% | 3.33% | 3.19% | 3.36% | +18 bps | |
| Efficiency Ratio | 74.55% | 85.58% | 91.99% | 84.82% | 82.31% | 81.77% | 82.50% | 86.93% | +210 bps | |
| Non-Interest Burden | 2.21% | 2.79% | 2.77% | 2.53% | 2.50% | 2.55% | 2.43% | 2.77% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | 3.80% | 8.37% | 11.82% | 6.99% | 10.17% | 6.39% | -3.51% | -1,533 bps | |
| Loan Growth (YoY) | 7.35% | 8.32% | 8.28% | 8.36% | 8.91% | 11.38% | 14.44% | 10.37% | +202 bps | |
| Deposit Growth (YoY) | 4.51% | 3.19% | 8.35% | 12.28% | 7.48% | 10.29% | 6.26% | -1.86% | -1,414 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.14% | 0.14% | 0.14% | 0.13% | 0.16% | 0.15% | 0.16% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | -1.30% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.98% | 1.93% | 1.91% | 1.80% | 2.08% | 1.99% | 1.91% | 1.94% | +13 bps | |
| Allowance Coverage of NPLs | 2.4x | 13.8x | 13.4x | 13.4x | 15.8x | 12.3x | 12.4x | 12.4x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.57% | 12.10% | 12.26% | 11.53% | 11.64% | 11.44% | 11.59% | 11.81% | +28 bps | |
| Total Risk-Based Capital | 21.05% | 20.37% | 20.32% | 20.13% | 19.81% | 19.06% | 18.59% | 18.73% | -141 bps | |
| Equity / Assets | 10.68% | 10.27% | 10.08% | 10.09% | 10.42% | 10.38% | 10.30% | 11.10% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.33% | 73.71% | 70.28% | 69.92% | 72.28% | 74.43% | 75.69% | 78.64% | +872 bps | |
| Liquid Assets / Assets | 14.08% | 11.93% | 16.09% | 17.05% | 15.46% | 14.09% | 13.56% | 10.27% | -678 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 291% | 294% | 304% | n/a | n/a | |