State Bank of Industry
Industry, IL · Cert 10820 · Peer group: banks under $1B in assets in IL (n=149-151)
State charter, non-member · FDIC · 1 branch
Q2 2026
$64.3MAssets
$38.3MLoans
$55.6MDeposits
$8.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks under $1B in assets in IL (rank 29 of 151).
- Widest gap: net interest margin trails 72% of banks under $1B in assets in IL (rank 109 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.99%
Rank 84 of 151
Net Interest Margin
3.10%
Rank 109 of 151
Efficiency Ratio
62.57%
Rank 67 of 151
Equity / Assets
13.10%
Rank 29 of 151
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 56% 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 | 0.99% | 0.70% | 1.03% | 1.34% | Beats 44% | 84 / 151 | | |
| Return on Equity | 7.54% | 6.74% | 9.34% | 12.94% | Beats 32% | 102 / 151 | | |
| Net Interest Margin | 3.10% | 3.02% | 3.43% | 3.83% | Beats 28% | 109 / 151 | | |
| Efficiency Ratio | 62.57% | 54.64% | 64.89% | 72.50% | Beats 56% | 67 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.20% | 0.66% | 1.77% | Beats 58% | 63 / 149 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.07% | Beats 31% | 104 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 14.21% | 11.83% | 14.17% | 18.66% | Beats 51% | 74 / 151 | | |
| Total Risk-Based Capital Ratio | 14.21% | 12.22% | 14.54% | 19.92% | Beats 46% | 81 / 151 | | |
| Equity / Assets | 13.10% | 9.10% | 10.65% | 12.40% | Beats 81% | 29 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.88% | 54.39% | 71.02% | 80.75% | 44th pctl | 84 / 149 | | |
| Loans / Assets | 59.49% | 45.91% | 61.31% | 68.01% | 46th pctl | 82 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |