BankFinancial is a small community bank holding company headquartered in Burr Ridge, Illinois. Its operating subsidiary, BankFinancial National Association, takes in deposits and makes loans primarily in the Chicago metro area through 18 branch offices across Cook, DuPage, Lake, and Will Counties, as well as online. For certain commercial lending lines — healthcare finance, equipment finance, commercial real estate, and treasury management — BankFinancial operates on a regional or national basis. The bank's loan portfolio of roughly $895M is concentrated in multi-family residential real estate loans (about 58% of total loans), commercial loans and leases (about 28%), and nonresidential real estate loans (about 12%). BankFinancial funds its lending primarily through deposits of roughly $1.2B, with savings, money market, and NOW accounts making up the majority of the deposit base. Like most banks, BankFinancial earns a net interest margin on the spread between deposit costs and loan yields. Key profitability drivers include loan volume, NIM, credit quality, and the ability to retain low-cost core deposits. Non-interest-bearing checking accounts represent about 20% of deposits and are essentially free funding. BankFinancial also offers trust services, wealth management, and insurance products through subsidiaries, though these contribute modestly to overall revenue.