Middletown State Bank
Middletown, IL · Cert 10463 · Peer group: banks under $1B in assets in IL (n=150-152)
State charter, non-member · 3 branches
Q1 2026
$45.4MAssets
$31.3MLoans
$39.3MDeposits
$5.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 16 of 150).
- Widest gap: tier 1 capital ratio trails 50% of banks under $1B in assets in IL (rank 76 of 152).
- Overall: at or above the peer median on 10 of 10 directional measures.
Return on Assets
1.18%
Rank 57 of 152
Net Interest Margin
4.32%
Rank 10 of 152
Efficiency Ratio
62.14%
Rank 66 of 152
Equity / Assets
12.52%
Rank 31 of 152
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 57% 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 | 1.18% | 0.75% | 1.03% | 1.34% | Beats 63% | 57 / 152 | | |
| Return on Equity | 9.44% | 6.57% | 9.41% | 13.12% | Beats 51% | 75 / 152 | | |
| Net Interest Margin | 4.32% | 3.00% | 3.40% | 3.78% | Beats 93% | 10 / 152 | | |
| Efficiency Ratio | 62.14% | 55.97% | 63.70% | 73.76% | Beats 57% | 66 / 152 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.73% | 1.48% | Beats 100% | 16 / 150 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 49 / 150 | | |
| Capital |
| Tier 1 Capital Ratio | 14.08% | 11.55% | 14.08% | 18.86% | Beats 50% | 76 / 152 | | |
| Total Risk-Based Capital Ratio | 15.14% | 12.08% | 14.50% | 19.72% | Beats 55% | 69 / 152 | | |
| Equity / Assets | 12.52% | 8.98% | 10.44% | 12.26% | Beats 80% | 31 / 152 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.72% | 53.13% | 69.42% | 79.72% | 75th pctl | 38 / 150 | | |
| Loans / Assets | 69.06% | 45.89% | 60.87% | 68.03% | 80th pctl | 30 / 152 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 0.00% | Beats 100% | 112 / 150 | | |