Illini State Bank
Tonica, IL · Cert 10788 · Peer group: banks under $1B in assets in IL (n=149-151) · Isb Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$171.9MAssets
$107.7MLoans
$124.5MDeposits
$24.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
- Widest gap: nonperforming loans / loans trails 77% of banks under $1B in assets in IL (rank 115 of 149).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.01%
Rank 80 of 151
Net Interest Margin
3.07%
Rank 110 of 151
Efficiency Ratio
51.91%
Rank 26 of 151
Equity / Assets
14.29%
Rank 21 of 151
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 83% 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 | 1.01% | 0.70% | 1.03% | 1.34% | Beats 47% | 80 / 151 | | |
| Return on Equity | 7.09% | 6.74% | 9.34% | 12.94% | Beats 28% | 109 / 151 | | |
| Net Interest Margin | 3.07% | 3.02% | 3.43% | 3.83% | Beats 27% | 110 / 151 | | |
| Efficiency Ratio | 51.91% | 54.64% | 64.89% | 72.50% | Beats 83% | 26 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.86% | 0.20% | 0.66% | 1.77% | Beats 23% | 115 / 149 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 48% | 78 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 14.42% | 11.83% | 14.17% | 18.66% | Beats 54% | 70 / 151 | | |
| Total Risk-Based Capital Ratio | 14.42% | 12.22% | 14.54% | 19.92% | Beats 49% | 77 / 151 | | |
| Equity / Assets | 14.29% | 9.10% | 10.65% | 12.40% | Beats 86% | 21 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.50% | 54.39% | 71.02% | 80.75% | 85th pctl | 22 / 149 | | |
| Loans / Assets | 62.65% | 45.91% | 61.31% | 68.01% | 52nd pctl | 72 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |