Warsaw, IL · Cert 9274
FDIC · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=150 to 152). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
72
Profitability
76
Liquidity
0
Efficiency
96
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Warsaw, IL · Cert 9274
FDIC · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.54% | 1.54% | 1.50% | 1.41% | 1.69% | 1.66% | 1.71% | +21 bps | |
| Return on Equity | 11.93% | 11.04% | 10.86% | 10.62% | 9.84% | 11.04% | 10.62% | 10.94% | +32 bps | |
| Net Interest Margin | 3.46% | 3.48% | 3.54% | 3.51% | 3.43% | 3.42% | 3.51% | 3.45% | -6 bps | |
| Efficiency Ratio | 50.28% | 46.90% | 46.88% | 46.32% | 51.65% | 44.34% | 46.02% | 44.95% | -137 bps | |
| Non-Interest Burden | 1.61% | 1.47% | 1.50% | 1.46% | 1.62% | 1.30% | 1.42% | 1.36% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | -4.79% | -2.85% | 5.74% | 4.44% | 5.30% | 3.98% | 4.01% | -173 bps | |
| Loan Growth (YoY) | 9.20% | 13.86% | 10.72% | 19.01% | 2.67% | -0.23% | 4.61% | -8.00% | -2,701 bps | |
| Deposit Growth (YoY) | 3.97% | -7.83% | -5.74% | 3.98% | 2.79% | 3.57% | 1.99% | 1.98% | -200 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.08% | 0.03% | 0.00% | 0.01% | 0.01% | 0.01% | -2 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | 0.04% | 0.01% | 0.02% | 0.05% | 0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 1.78% | 1.81% | 1.88% | 1.90% | 1.97% | 2.01% | 1.98% | 2.06% | +17 bps | |
| Allowance Coverage of NPLs | 21.6x | 52.1x | 22.2x | 58.5x | n/a | 231.5x | 232.0x | 234.0x | +175.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.05% | 15.23% | 15.78% | 15.56% | 15.17% | 15.88% | 16.44% | 16.15% | +59 bps | |
| Total Risk-Based Capital | 14.05% | 15.23% | 15.78% | 15.56% | 15.17% | 15.88% | 16.44% | 16.15% | +59 bps | |
| Equity / Assets | 13.52% | 14.38% | 14.56% | 14.16% | 14.86% | 15.84% | 16.29% | 15.70% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.86% | 49.91% | 47.42% | 47.81% | 47.80% | 48.08% | 48.64% | 43.13% | -468 bps | |
| Liquid Assets / Assets | 36.83% | 36.96% | 38.86% | 38.60% | 38.58% | 39.10% | 39.31% | 43.63% | +503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 29.24% | n/a | n/a |
Warsaw, IL · Cert 9274 · Peer group: banks under $1B in assets in IL (n=150-152)
FDIC · 1 branch
Q3 2025
Return on Assets
1.61%
Rank 13 of 152
Net Interest Margin
3.45%
Rank 47 of 152
Efficiency Ratio
44.95%
Rank 7 of 152
Equity / Assets
15.70%
Rank 12 of 152
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.61% | 0.63% | 0.93% | 1.16% | Beats 91% | 13 / 152 | ||
| Return on Equity | 10.28% | 5.72% | 8.35% | 11.29% | Beats 69% | 47 / 152 | ||
| Net Interest Margin | 3.45% | 2.78% | 3.21% | 3.66% | Beats 69% | 47 / 152 | ||
| Efficiency Ratio | 44.95% | 57.23% | 65.22% | 74.09% | Beats 96% | 7 / 152 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.20% | 0.59% | 1.68% | Beats 90% | 16 / 150 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.03% | 0.11% | Beats 53% | 71 / 150 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.15% | 11.61% | 14.19% | 18.83% | Beats 65% | 53 / 152 | ||
| Total Risk-Based Capital Ratio | 16.15% | 12.06% | 14.71% | 19.91% | Beats 59% | 62 / 152 | ||
| Equity / Assets | 15.70% | 8.95% | 10.37% | 12.59% | Beats 92% | 12 / 152 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.13% | 52.67% | 71.43% | 81.45% | 8th pctl | 138 / 150 | ||
| Loans / Assets | 36.25% | 45.72% | 61.98% | 69.13% | 7th pctl | 139 / 150 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 0.79% | Beats 100% | 106 / 150 | n/a | |