First State Bank of Van Orin
Van Orin, IL · Cert 10809 · Peer group: banks under $1B in assets in IL (n=147-149) · Van Orin Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$40.0MAssets
$12.0MLoans
$35.4MDeposits
$4.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets in IL (rank 10 of 149).
- Widest gap: net interest margin trails 97% of banks under $1B in assets in IL (rank 145 of 149).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.57%
Rank 124 of 149
Net Interest Margin
2.35%
Rank 145 of 149
Efficiency Ratio
72.22%
Rank 113 of 149
Equity / Assets
10.62%
Rank 77 of 149
Non-interest income vs. expense
Unfavorable gap of $670K · efficiency ratio beats 25% 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 | 0.57% | 0.74% | 1.04% | 1.34% | Beats 17% | 124 / 149 | |
| Return on Equity | 5.35% | 6.82% | 9.34% | 12.94% | Beats 20% | 119 / 149 | |
| Net Interest Margin | 2.35% | 3.04% | 3.43% | 3.83% | Beats 3% | 145 / 149 | |
| Efficiency Ratio | 72.22% | 54.64% | 64.55% | 71.82% | Beats 25% | 113 / 149 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.54% | 0.19% | 0.65% | 1.77% | Beats 5% | 141 / 147 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 52% | 72 / 147 | |
| Capital |
| Tier 1 Capital Ratio | 26.68% | 11.87% | 14.21% | 18.66% | Beats 93% | 10 / 149 | |
| Total Risk-Based Capital Ratio | 27.84% | 12.22% | 14.72% | 19.92% | Beats 93% | 10 / 149 | |
| Equity / Assets | 10.62% | 9.24% | 10.65% | 12.40% | Beats 48% | 77 / 149 | |
| Liquidity & Funding |
| Loans / Deposits | 34.03% | 53.80% | 70.99% | 80.75% | 3rd pctl | 142 / 147 | |
| Loans / Assets | 30.06% | 46.03% | 61.30% | 67.68% | 5th pctl | 142 / 149 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |