Raritan State Bank
Raritan, IL · Cert 10438 · Peer group: banks under $1B in assets in IL (n=149-151) · Raritan State Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$253.9MAssets
$189.7MLoans
$223.6MDeposits
$28.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 64% of banks under $1B in assets in IL (rank 56 of 151).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in IL (rank 137 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 71 of 151
Net Interest Margin
3.36%
Rank 85 of 151
Efficiency Ratio
59.51%
Rank 56 of 151
Equity / Assets
11.35%
Rank 56 of 151
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 64% 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 | 1.06% | 0.70% | 1.03% | 1.34% | Beats 53% | 71 / 151 | | |
| Return on Equity | 9.34% | 6.74% | 9.34% | 12.94% | Beats 50% | 76 / 151 | | |
| Net Interest Margin | 3.36% | 3.02% | 3.43% | 3.83% | Beats 44% | 85 / 151 | | |
| Efficiency Ratio | 59.51% | 54.64% | 64.89% | 72.50% | Beats 64% | 56 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.67% | 0.20% | 0.66% | 1.77% | Beats 28% | 108 / 149 | | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.02% | 0.07% | Beats 19% | 121 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 10.78% | 11.83% | 14.17% | 18.66% | Beats 12% | 133 / 151 | | |
| Total Risk-Based Capital Ratio | 10.78% | 12.22% | 14.54% | 19.92% | Beats 9% | 137 / 151 | | |
| Equity / Assets | 11.35% | 9.10% | 10.65% | 12.40% | Beats 63% | 56 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.84% | 54.39% | 71.02% | 80.75% | 83rd pctl | 26 / 149 | | |
| Loans / Assets | 74.73% | 45.91% | 61.31% | 68.01% | 89th pctl | 16 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |