Anderson State Bank
Oneida, IL · Cert 10858 · Peer group: banks under $1B in assets in IL (n=149-151) · Anderson Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$108.9MAssets
$46.2MLoans
$90.3MDeposits
$18.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
- Widest gap: net interest margin trails 85% of banks under $1B in assets in IL (rank 128 of 151).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.19%
Rank 57 of 151
Net Interest Margin
2.84%
Rank 128 of 151
Efficiency Ratio
50.09%
Rank 16 of 151
Equity / Assets
16.87%
Rank 13 of 151
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 90% 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 | 1.19% | 0.70% | 1.03% | 1.34% | Beats 62% | 57 / 151 | | |
| Return on Equity | 7.04% | 6.74% | 9.34% | 12.94% | Beats 27% | 110 / 151 | | |
| Net Interest Margin | 2.84% | 3.02% | 3.43% | 3.83% | Beats 15% | 128 / 151 | | |
| Efficiency Ratio | 50.09% | 54.64% | 64.89% | 72.50% | Beats 90% | 16 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 59% | 62 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 17.31% | 11.83% | 14.17% | 18.66% | Beats 69% | 47 / 151 | | |
| Total Risk-Based Capital Ratio | 17.31% | 12.22% | 14.54% | 19.92% | Beats 67% | 50 / 151 | | |
| Equity / Assets | 16.87% | 9.10% | 10.65% | 12.40% | Beats 91% | 13 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.20% | 54.39% | 71.02% | 80.75% | 17th pctl | 123 / 149 | | |
| Loans / Assets | 42.46% | 45.91% | 61.31% | 68.01% | 13th pctl | 131 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |