| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.9% | -1.6 pts |
| Deposit growth (YoY) | +6.3% | +5.7% | +0.6 pts |
| Loan growth (YoY) | +1.2% | +6.9% | -5.7 pts |
| ROA | 1.47% | 1.23% | +0.2 pts |
| ROE | 22.3% | 11.2% | +11.1 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $178.57B | $148.11B | $43.66B | $11.94B | $1.30B | 1.47% | 1.67% | 0.06% |
| Q1 2026 | $173.84B | $142.29B | $42.34B | $11.55B | $509.6M | 1.16% | 1.67% | 0.06% |
| Q4 2025 | $176.40B | $145.22B | $41.78B | $11.41B | $1.70B | 1.02% | 1.56% | 0.06% |
| Q3 2025 | $169.57B | $137.91B | $42.79B | $11.26B | $1.24B | 1.00% | 1.55% | 0.05% |
| Q2 2025 | $171.31B | $139.33B | $43.14B | $11.10B | $794.1M | 0.97% | 1.57% | 0.08% |
| Q1 2025 | $164.50B | $133.48B | $40.67B | $10.99B | $367.4M | 0.92% | 1.50% | 0.10% |
| Q4 2024 | $154.95B | $124.95B | $43.22B | $10.80B | $2.00B | 1.29% | 1.56% | 0.09% |
| Q3 2024 | $155.22B | $123.12B | $41.77B | $11.39B | $1.55B | 1.34% | 1.55% | 0.08% |
Loan mix (Q2 2026): real estate $12.37B · commercial $3.98B · consumer $419.1M · securities $61.23B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.23% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 22.3% | 11.3% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.67% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 54.9% | 92nd |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
58 branches in 44 counties across 19 states (+0 vs 2025) · $56.95B branch deposits. Biggest market: Cook, IL, ranked 4th with 7.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, IL | 2 | $39.05B | 7.94% | 4th |
| Miami-Dade, FL | 3 | $3.13B | 1.43% | 18th |
| Lake, IL | 2 | $1.68B | 4.57% | 6th |
| 41 more counties with Pro → | ||||
Illinois: 5th with 5.15% · Florida: 26th with 0.72% · California: 72nd with 0.13% · Texas: 83rd with 0.12% · Arizona: 31st with 0.32% · New York: 133rd with 0.02% · Connecticut: 49th with 0.17% · Georgia: 105th with 0.08% · Nevada: 39th with 0.19% · Michigan: 142nd with 0.06% · Colorado: 94th with 0.09% · Washington: 83rd with 0.06% · Massachusetts: 145th with 0.02% · Pennsylvania: 201st with 0.02% · Wisconsin: 204th with 0.04% · Missouri: 232nd with 0.03% · Minnesota: 270th with 0.02% · Ohio: 243rd with 0.01% · District of Columbia: 66th with 0.04% · Chicago-Naperville-Elgin metro: 5th, 6.14% · Miami-Fort Lauderdale-West Palm Beach metro: 15th, 1.26% ·
Branch count: 2022 58 · 2023 58 · 2024 58 · 2025 58 · 2026 58
Ranked #474 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →