Community Bank
Winslow, IL · Cert 10791 · Peer group: banks under $1B in assets in IL (n=149-151) · Stateline Cmty Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$310.8MAssets
$217.1MLoans
$210.7MDeposits
$45.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets in IL (rank 13 of 151).
- Widest gap: net interest margin trails 88% of banks under $1B in assets in IL (rank 133 of 151).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.12%
Rank 66 of 151
Net Interest Margin
2.75%
Rank 133 of 151
Efficiency Ratio
48.64%
Rank 13 of 151
Equity / Assets
14.46%
Rank 19 of 151
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 92% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.70% | 1.03% | 1.34% | Beats 56% | 66 / 151 | |
| Return on Equity | 7.76% | 6.74% | 9.34% | 12.94% | Beats 35% | 98 / 151 | |
| Net Interest Margin | 2.75% | 3.02% | 3.43% | 3.83% | Beats 12% | 133 / 151 | |
| Efficiency Ratio | 48.64% | 54.64% | 64.89% | 72.50% | Beats 92% | 13 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.20% | 0.66% | 1.77% | Beats 32% | 102 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 72% | 42 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 23.98% | 11.83% | 14.17% | 18.66% | Beats 89% | 17 / 151 | |
| Total Risk-Based Capital Ratio | 24.99% | 12.22% | 14.54% | 19.92% | Beats 89% | 17 / 151 | |
| Equity / Assets | 14.46% | 9.10% | 10.65% | 12.40% | Beats 87% | 19 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 103.05% | 54.39% | 71.02% | 80.75% | 98th pctl | 3 / 149 | |
| Loans / Assets | 69.85% | 45.91% | 61.31% | 68.01% | 79th pctl | 31 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |