First State Bank of Olmsted
Olmsted, IL · Cert 10437 · Peer group: banks under $1B in assets in IL (n=149-151) · Fsbo Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$78.4MAssets
$51.5MLoans
$68.4MDeposits
$9.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of banks under $1B in assets in IL (rank 32 of 151).
- Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets in IL (rank 121 of 149).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.20%
Rank 53 of 151
Net Interest Margin
3.63%
Rank 54 of 151
Efficiency Ratio
58.60%
Rank 52 of 151
Equity / Assets
12.40%
Rank 38 of 151
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 66% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.70% | 1.03% | 1.34% | Beats 65% | 53 / 151 | | |
| Return on Equity | 9.70% | 6.74% | 9.34% | 12.94% | Beats 54% | 70 / 151 | | |
| Net Interest Margin | 3.63% | 3.02% | 3.43% | 3.83% | Beats 64% | 54 / 151 | | |
| Efficiency Ratio | 58.60% | 54.64% | 64.89% | 72.50% | Beats 66% | 52 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.09% | 0.20% | 0.66% | 1.77% | Beats 19% | 121 / 149 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 57% | 65 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 19.91% | 11.83% | 14.17% | 18.66% | Beats 79% | 32 / 151 | | |
| Total Risk-Based Capital Ratio | 20.87% | 12.22% | 14.54% | 19.92% | Beats 79% | 31 / 151 | | |
| Equity / Assets | 12.40% | 9.10% | 10.65% | 12.40% | Beats 75% | 38 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.35% | 54.39% | 71.02% | 80.75% | 60th pctl | 59 / 149 | | |
| Loans / Assets | 65.73% | 45.91% | 61.31% | 68.01% | 64th pctl | 55 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |