Tompkins State Bank
Avon, IL · Cert 10849 · Peer group: banks under $1B in assets in IL (n=149-151) · Tompkins Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$303.5MAssets
$169.5MLoans
$274.3MDeposits
$28.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in IL (rank 40 of 149).
- Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets in IL (rank 114 of 149).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.81%
Rank 101 of 151
Net Interest Margin
3.33%
Rank 90 of 151
Efficiency Ratio
69.22%
Rank 101 of 151
Equity / Assets
9.42%
Rank 105 of 151
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 34% 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 | 0.81% | 0.70% | 1.03% | 1.34% | Beats 33% | 101 / 151 | |
| Return on Equity | 8.63% | 6.74% | 9.34% | 12.94% | Beats 45% | 83 / 151 | |
| Net Interest Margin | 3.33% | 3.02% | 3.43% | 3.83% | Beats 40% | 90 / 151 | |
| Efficiency Ratio | 69.22% | 54.64% | 64.89% | 72.50% | Beats 34% | 101 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.66% | 1.77% | Beats 74% | 40 / 149 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.02% | 0.07% | Beats 24% | 114 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 14.96% | 11.83% | 14.17% | 18.66% | Beats 56% | 66 / 151 | |
| Total Risk-Based Capital Ratio | 15.74% | 12.22% | 14.54% | 19.92% | Beats 57% | 65 / 151 | |
| Equity / Assets | 9.42% | 9.10% | 10.65% | 12.40% | Beats 30% | 105 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 61.79% | 54.39% | 71.02% | 80.75% | 34th pctl | 99 / 149 | |
| Loans / Assets | 55.84% | 45.91% | 61.31% | 68.01% | 40th pctl | 90 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |