First State Bank of Van Orin
Van Orin, IL · Cert 10809 · Peer group: banks under $1B in assets in IL (n=149-151) · 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 151).
- Widest gap: net interest margin trails 97% of banks under $1B in assets in IL (rank 147 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.57%
Rank 124 of 151
Net Interest Margin
2.35%
Rank 147 of 151
Efficiency Ratio
72.22%
Rank 113 of 151
Equity / Assets
10.62%
Rank 77 of 151
Non-interest income vs. expense
Unfavorable gap of $670K · efficiency ratio beats 26% 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% | 0.70% | 1.03% | 1.34% | Beats 18% | 124 / 151 | |
| Return on Equity | 5.35% | 6.74% | 9.34% | 12.94% | Beats 21% | 120 / 151 | |
| Net Interest Margin | 2.35% | 3.02% | 3.43% | 3.83% | Beats 3% | 147 / 151 | |
| Efficiency Ratio | 72.22% | 54.64% | 64.89% | 72.50% | Beats 26% | 113 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.54% | 0.20% | 0.66% | 1.77% | Beats 5% | 142 / 149 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 52% | 72 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 26.68% | 11.83% | 14.17% | 18.66% | Beats 93% | 10 / 151 | |
| Total Risk-Based Capital Ratio | 27.84% | 12.22% | 14.54% | 19.92% | Beats 93% | 10 / 151 | |
| Equity / Assets | 10.62% | 9.10% | 10.65% | 12.40% | Beats 49% | 77 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 34.03% | 54.39% | 71.02% | 80.75% | 3rd pctl | 144 / 149 | |
| Loans / Assets | 30.06% | 45.91% | 61.31% | 68.01% | 5th pctl | 144 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |