| Metric | Lisle Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.9% | -5.9 pts |
| Deposit growth (YoY) | -0.3% | +4.3% | -4.6 pts |
| Loan growth (YoY) | +5.2% | +5.3% | -0.1 pts |
| ROA | 0.84% | 1.28% | -0.4 pts |
| ROE | 3.4% | 12.4% | -9.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $544.5M | $383.3M | $296.2M | $135.4M | $2.3M | 0.84% | 2.82% | 0.52% |
| Q1 2026 | $551.8M | $392.8M | $290.0M | $133.4M | $446K | 0.33% | 2.03% | 0.73% |
| Q4 2025 | $544.9M | $386.1M | $285.3M | $133.3M | $1.6M | 0.29% | 1.94% | 0.76% |
| Q3 2025 | $537.9M | $380.2M | $280.2M | $132.0M | $1.3M | 0.30% | 1.90% | 0.74% |
| Q2 2025 | $550.2M | $384.5M | $281.5M | $129.6M | $787K | 0.28% | 1.86% | 0.65% |
| Q1 2025 | $555.4M | $390.9M | $276.5M | $128.4M | $221K | 0.16% | 1.85% | 0.63% |
| Q4 2024 | $557.1M | $384.6M | $277.7M | $126.3M | $1.8M | 0.32% | 1.83% | 0.65% |
| Q3 2024 | $551.7M | $375.9M | $275.3M | $129.6M | $1.4M | 0.33% | 1.89% | 0.67% |
Loan mix (Q2 2026): real estate $298.7M · commercial $165K · consumer $0 · securities $168.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lisle Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.28% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 12.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 61.2% | 52th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lisle Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lisle Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lisle Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lisle Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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