Du Quoin State Bank
Du Quoin, IL · Cert 10804 · Peer group: banks under $1B in assets in IL (n=149-151) · Perry County Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$148.2MAssets
$47.4MLoans
$136.3MDeposits
$6.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
- Widest gap: equity / assets trails 99% of banks under $1B in assets in IL (rank 150 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.70%
Rank 114 of 151
Net Interest Margin
3.14%
Rank 106 of 151
Efficiency Ratio
73.65%
Rank 115 of 151
Equity / Assets
4.06%
Rank 150 of 151
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 25% 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 | 0.70% | 0.70% | 1.03% | 1.34% | Beats 25% | 114 / 151 | | |
| Return on Equity | 17.13% | 6.74% | 9.34% | 12.94% | Beats 93% | 10 / 151 | | |
| Net Interest Margin | 3.14% | 3.02% | 3.43% | 3.83% | Beats 30% | 106 / 151 | | |
| Efficiency Ratio | 73.65% | 54.64% | 64.89% | 72.50% | Beats 25% | 115 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 25.11% | 11.83% | 14.17% | 18.66% | Beats 91% | 13 / 151 | | |
| Total Risk-Based Capital Ratio | 26.23% | 12.22% | 14.54% | 19.92% | Beats 91% | 13 / 151 | | |
| Equity / Assets | 4.06% | 9.10% | 10.65% | 12.40% | Beats 1% | 150 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 34.74% | 54.39% | 71.02% | 80.75% | 4th pctl | 143 / 149 | | |
| Loans / Assets | 31.95% | 45.91% | 61.31% | 68.01% | 7th pctl | 141 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |