Lisle Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 19.12 percentage points higher than in Q1 2026, at 77.38%. Lisle Savings Bank ranks 137th of 323 Illinois banks on return on assets, in the upper half at 1.30% (Q2 2026). Lisle Savings Bank reported 1.30% on return on assets for Q2 2026, 0.05 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 26.10% |
| Equity capital to assets | 24.87% |
| Tangible equity to tangible assets | 24.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.72% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 77.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 5.50% |
| Net interest margin | 3.47% |
| Efficiency ratio | 48.67% |
| Yield on earning assets | 5.22% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.03% |
| Core deposits to total deposits | 88.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 70.40% |
| Securities to assets | 30.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 23.92% | 0.39% | 1.97% | 2.41% | -0.01% |
| Q4 2023 | 24.09% | 0.26% | 1.76% | 2.35% | -0.00% |
| Q1 2024 | 24.50% | 0.32% | 1.70% | 2.27% | -0.00% |
| Q2 2024 | 24.63% | 0.36% | 2.04% | 1.98% | -0.10% |
| Q3 2024 | 25.09% | 0.27% | 1.68% | 1.57% | -0.00% |
| Q4 2024 | 25.07% | 0.30% | 1.61% | 1.73% | -0.00% |
| Q1 2025 | 24.93% | 0.15% | 1.78% | 1.67% | -0.00% |
| Q2 2025 | 25.20% | 0.39% | 1.79% | 1.66% | -0.00% |
| Q3 2025 | 25.91% | 0.33% | 1.92% | 1.81% | -0.00% |
| Q4 2025 | 26.24% | 0.23% | 2.02% | 1.82% | -0.00% |
| Q1 2026 | 25.97% | 0.32% | 1.98% | 1.70% | -0.00% |
| Q2 2026 | 26.10% | 1.30% | 3.47% | 1.26% | -0.01% |
Lisle Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lisle Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lisle Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29800) · FFIEC NIC profile (RSSD 133971)