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Devon Bank

$100M-$1B Specialty: Commercial IL FDIC cert 16249

Designations: ✓ Minority Depository Institution

Chicago, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -15.6% year over year ($262.6M on the books).
  • Delinquency rate 0.27%.
  • Return on assets -0.17%.
  • Efficiency ratio 109.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.76% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Devon Bank has 3 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 18.83% above tier average
  • + Non-Interest Income / Assets 0.11% above tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 1.4% in tier
  • - Deposit Outflow: Bottom 3.4% in tier
  • - Credit Quality Pressure: Bottom 21.2% in tier
  • - Return on Assets 1.49% below tier average
  • - Efficiency Ratio 45.36% above tier average
  • - Net Interest Margin 0.98% below tier average
Get updates when Devon Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $418.6M
-11.0% YoY -4.0% QoQ
+$32.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $193.7M
-5.4% YoY -1.3% QoQ
-$64.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $262.6M
-15.6% YoY -6.3% QoQ
-$64.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? -0.17%
+57.1% YoY +48.7% QoQ
-1.49% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 2.7% in tier
Net Interest Margin ? 3.01%
+12.9% YoY +2.9% QoQ
-0.98% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 10.3% in tier
Efficiency Ratio ? 109.84%
-5.6% YoY -4.7% QoQ
+45.36% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 1.4% in tier
Delinquency Rate ? 0.27%
+50.9% YoY +57.1% QoQ
-0.65% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 73.76%
+12.2% YoY +5.3% QoQ
-4.19% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 40.86%
-7.5% YoY -3.0% QoQ
+18.83% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Top 4.1% in tier
Nonperforming Asset Ratio ? 0.13%
+60.4% YoY +61.5% QoQ
-0.54% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 9.96%
+6.6% YoY +0.8% QoQ
-5.95% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 9.9% in tier
Non-Interest Income / Assets ? 0.67%
-3.2% YoY +136.2% QoQ
+0.11% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 5.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 40.9%
-3.3pp YoY
-1.3pp QoQ
 +18.7pp 22.1% 20.1% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 4.4%
-1.2pp YoY
-0.5pp QoQ
 -7.1pp 11.6% 14.7% 12.5% 16%
CRE 65.5%
+2.5pp YoY
+0.2pp QoQ
 +25.9pp 39.5% 37.9% 41.4% 90%
1-4 Family 29.6%
-1.3pp YoY
+0.3pp QoQ
 -3.0pp 32.6% 28.3% 31.3% 50%
Consumer 0.5%
-0.2pp YoY
0.0pp QoQ
 -3.6pp 4.1% 5.4% 5.0% 17%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 10.0%
+0.6pp YoY
+0.1pp QoQ
 -8.9pp 18.8% 19.9% 19.7% 2%
Leverage Ratio 6.3%
+0.5pp YoY
+0.2pp QoQ
 -5.9pp 12.2% 12.2% 12.6% 0%
Total Capital Ratio 10.7%
+0.5pp YoY
0.0pp QoQ
 -9.3pp 19.9% 20.9% 20.8% 1%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 107
-25 (-18.9%) YoY
+7 (+7.0%) QoQ
 +48 58 228 482 89%
Assets per Employee ($) $3.9M
+9.8% YoY
-10.3% QoQ
 -$3.6M $7.5M $8.3M $8.8M 4%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.4% 0.4% 27%
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 1.1% 1.0% 34%
Allowance Coverage 3.22x
-47.9% YoY
-42.3% QoQ
 -20.93x 24.15x 5.62x 20.23x 60%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE -3.0%
+5.1pp YoY
+2.9pp QoQ
 -15.2pp 12.2% 10.5% 11.6% 2%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 63%
Net Income ($, YTD) $-375000.0
+61.1% YoY
— QoQ
 -$2.9M $2.6M $11.7M $40.4M 2%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#10 of 661 • Bottom 1.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.96%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Outflow

decline
#19 of 535 • Bottom 3.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#267 of 1256 • Bottom 21.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

110
Non-Interest-Bearing Deposit Share
funding
Value: 40.86%
Peer Median: 22.03%
#110 of 2643 Top 4.1% in $100M-$1B
158
Non-Interest Income / Assets
revenue_mix
Value: 0.67%
Peer Median: 0.57%
#158 of 2643 Top 5.9% in $100M-$1B

Top Weaknesses (4 metrics)

2606
Efficiency Ratio
profitability
Value: 109.84%
Peer Median: 64.48%
#2606 of 2643 Bottom 1.4% in $100M-$1B
2572
Return on Assets
profitability
Value: -0.17%
Peer Median: 1.32%
#2572 of 2643 Bottom 2.7% in $100M-$1B
2382
Tier 1 Capital Ratio
capital
Value: 9.96%
Peer Median: 15.91%
#2382 of 2643 Bottom 9.9% in $100M-$1B
2373
Net Interest Margin
profitability
Value: 3.01%
Peer Median: 3.99%
#2373 of 2643 Bottom 10.3% in $100M-$1B
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