Federated Bank
Onarga, IL · Cert 10464 · Peer group: banks under $1B in assets in IL (n=149-151) · Longview Capital Corp.
State charter, non-member · FDIC · 2 affiliate banks · 5 branches (26 in holding)
Q2 2026
$140.1MAssets
$89.9MLoans
$119.2MDeposits
$19.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in IL (rank 2 of 151).
- Widest gap: efficiency ratio trails 84% of banks under $1B in assets in IL (rank 128 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.17%
Rank 60 of 151
Net Interest Margin
5.11%
Rank 2 of 151
Efficiency Ratio
79.69%
Rank 128 of 151
Equity / Assets
13.99%
Rank 24 of 151
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 16% 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 | 1.17% | 0.70% | 1.03% | 1.34% | Beats 60% | 60 / 151 | | |
| Return on Equity | 8.37% | 6.74% | 9.34% | 12.94% | Beats 39% | 92 / 151 | | |
| Net Interest Margin | 5.11% | 3.02% | 3.43% | 3.83% | Beats 99% | 2 / 151 | | |
| Efficiency Ratio | 79.69% | 54.64% | 64.89% | 72.50% | Beats 16% | 128 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.66% | 1.77% | Beats 75% | 38 / 149 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 60% | 60 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 11.79% | 11.83% | 14.17% | 18.66% | Beats 24% | 115 / 151 | | |
| Total Risk-Based Capital Ratio | 12.56% | 12.22% | 14.54% | 19.92% | Beats 30% | 105 / 151 | | |
| Equity / Assets | 13.99% | 9.10% | 10.65% | 12.40% | Beats 84% | 24 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.40% | 54.39% | 71.02% | 80.75% | 61st pctl | 58 / 149 | | |
| Loans / Assets | 64.16% | 45.91% | 61.31% | 68.01% | 57th pctl | 65 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |