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American Eagle Bank

$100M-$1B Specialty: Commercial IL FDIC cert 57359

South Elgin, 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 -2.9% year over year ($363.1M on the books).
  • Delinquency rate 0.04%.
  • Return on assets -0.19%.
  • Efficiency ratio 110.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.64% 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) →

American Eagle Bank has 1 strength but faces 8 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

  • + Credit Quality Leader: Top 12.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.1% in tier
  • - Capital Thin: Bottom 14.7% in tier
  • - Efficiency Drag: Bottom 14.7% in tier
  • - Credit Risk Growth: Bottom 43.7% in tier
  • - Deposit Outflow: Bottom 44.5% in tier
  • - Return on Assets 1.51% below tier average
  • - Net Interest Margin 1.47% below tier average
  • - Loan-to-Deposit Ratio 43.69% above tier average
Get updates when American Eagle 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 ? $484.7M
+1.8% YoY -1.2% QoQ
+$98.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $441.7M
+11.1% YoY +1.0% QoQ
+$183.3M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $363.1M
-2.9% YoY -3.2% QoQ
+$36.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? -0.19%
-156.1% YoY -138.3% QoQ
-1.51% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 2.7% in tier
Net Interest Margin ? 2.52%
+15.2% YoY +3.6% QoQ
-1.47% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 3.0% in tier
Efficiency Ratio ? 110.80%
+41.4% YoY +54.1% QoQ
+46.32% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 1.3% in tier
Delinquency Rate ? 0.04%
+25.8% YoY -3.4% QoQ
-0.88% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 121.64%
+14.5% YoY +4.4% QoQ
+43.69% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 0.9% in tier
Non-Interest-Bearing Deposit Share ? 4.82%
+6.0% YoY +29.7% QoQ
-17.21% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 3.5% in tier
Nonperforming Asset Ratio ? 0.03%
+37.3% YoY -1.3% QoQ
-0.64% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 9.49%
-10.0% YoY -7.3% QoQ
-6.42% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 4.7% in tier
Non-Interest Income / Assets ? -0.05%
-299.9% YoY -561.4% QoQ
-0.61% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 0.2% 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 4.8%
+0.3pp YoY
+1.1pp QoQ
 -17.3pp 22.1% 20.1% 22.2% 3%
Brokered Deposits 34.8%
+4.7pp YoY
+0.9pp QoQ
 +27.0pp 7.9% 8.0% 8.5% 97%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 0.5%
-0.1pp YoY
0.0pp QoQ
 -11.1pp 11.6% 14.7% 12.5% 2%
CRE 44.0%
+5.8pp YoY
+0.9pp QoQ
 +4.4pp 39.5% 37.9% 41.4% 60%
1-4 Family 7.7%
+1.1pp YoY
-0.3pp QoQ
 -24.9pp 32.6% 28.3% 31.3% 8%
Consumer 48.1%
-6.8pp YoY
-0.6pp QoQ
 +44.0pp 4.1% 5.4% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 9.5%
-1.0pp YoY
-0.7pp QoQ
 -9.3pp 18.8% 19.9% 19.7% 0%
Leverage Ratio 8.5%
-0.4pp YoY
-0.4pp QoQ
 -3.6pp 12.2% 12.2% 12.6% 6%
Total Capital Ratio 9.8%
-1.1pp YoY
-0.8pp QoQ
 -10.2pp 19.9% 20.9% 20.8% 0%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 25
-2 (-7.4%) YoY
-2 (-7.4%) QoQ
 -34 58 228 482 19%
Assets per Employee ($) $19.4M
+10.0% YoY
+6.7% QoQ
 +$11.9M $7.5M $8.3M $8.8M 99%
Branch Count 3
+1 (+50.0%) YoY
+1 (+50.0%) 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%
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 18%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 6%
Allowance Coverage 7.20x
-34.3% YoY
+0.9% QoQ
 -16.96x 24.15x 5.62x 20.23x 77%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE -2.2%
-6.1pp YoY
-7.9pp QoQ
 -14.4pp 12.2% 10.5% 11.6% 2%
Cost of Funds (YTD) 3.0%
-0.4pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.6% 1.7% 98%
Net Income ($, YTD) $-467000.0
-157.5% YoY
— QoQ
 -$3.0M $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 (1)

Credit Quality Leader

growth
#84 of 659 • Top 12.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (5)

Credit Quality Pressure

risk
#40 of 1256 • Bottom 3.1% in tier

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

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Capital Thin

risk
#98 of 661 • Bottom 14.7% 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: 9.49%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Efficiency Drag

risk
#54 of 361 • Bottom 14.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 110.80%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Credit Risk Growth

risk
#410 of 936 • Bottom 43.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#239 of 535 • Bottom 44.5% 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

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 (3 metrics)

448
Total Loans
size
Value: $441.69M
Peer Median: $258.35M
#448 of 2643 Top 16.9% in $100M-$1B
487
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#487 of 2643 Top 18.4% in $100M-$1B
488
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#488 of 2633 Top 18.5% in $100M-$1B

Top Weaknesses (7 metrics)

2638
Non-Interest Income / Assets
revenue_mix
Value: -0.05%
Peer Median: 0.57%
#2638 of 2643 Bottom 0.2% in $100M-$1B
2621
Loan-to-Deposit Ratio
liquidity
Value: 121.64%
Peer Median: 77.95%
#2621 of 2643 Bottom 0.9% in $100M-$1B
2609
Efficiency Ratio
profitability
Value: 110.80%
Peer Median: 64.48%
#2609 of 2643 Bottom 1.3% in $100M-$1B
2573
Return on Assets
profitability
Value: -0.19%
Peer Median: 1.32%
#2573 of 2643 Bottom 2.7% in $100M-$1B
2566
Net Interest Margin
profitability
Value: 2.52%
Peer Median: 3.99%
#2566 of 2643 Bottom 3.0% in $100M-$1B
2552
Non-Interest-Bearing Deposit Share
funding
Value: 4.82%
Peer Median: 22.03%
#2552 of 2643 Bottom 3.5% in $100M-$1B
2521
Tier 1 Capital Ratio
capital
Value: 9.49%
Peer Median: 15.91%
#2521 of 2643 Bottom 4.7% in $100M-$1B
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