Iuka State Bank, The
Salem, IL · Cert 11317 · Peer group: banks under $1B in assets in IL (n=149-151) · Iuka Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$133.0MAssets
$109.2MLoans
$112.6MDeposits
$12.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in IL (rank 9 of 151).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in IL (rank 148 of 149).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.08%
Rank 145 of 151
Net Interest Margin
4.49%
Rank 9 of 151
Efficiency Ratio
74.39%
Rank 116 of 151
Equity / Assets
9.60%
Rank 99 of 151
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 24% 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 | 0.08% | 0.70% | 1.03% | 1.34% | Beats 4% | 145 / 151 | | |
| Return on Equity | 0.81% | 6.74% | 9.34% | 12.94% | Beats 5% | 144 / 151 | | |
| Net Interest Margin | 4.49% | 3.02% | 3.43% | 3.83% | Beats 94% | 9 / 151 | | |
| Efficiency Ratio | 74.39% | 54.64% | 64.89% | 72.50% | Beats 24% | 116 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.98% | 0.20% | 0.66% | 1.77% | Beats 1% | 148 / 149 | | |
| Net Charge-Offs / Loans | 0.94% | 0.00% | 0.02% | 0.07% | Beats 1% | 148 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 10.25% | 11.83% | 14.17% | 18.66% | Beats 5% | 144 / 151 | | |
| Total Risk-Based Capital Ratio | 10.25% | 12.22% | 14.54% | 19.92% | Beats 5% | 144 / 151 | | |
| Equity / Assets | 9.60% | 9.10% | 10.65% | 12.40% | Beats 34% | 99 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.02% | 54.39% | 71.02% | 80.75% | 95th pctl | 7 / 149 | | |
| Loans / Assets | 82.11% | 45.91% | 61.31% | 68.01% | 96th pctl | 6 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |