First State Bank of Forrest
Forrest, IL · Cert 11669 · Peer group: banks under $1B in assets in IL (n=147-149) · Forrest Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$328.3MAssets
$276.2MLoans
$280.3MDeposits
$29.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 57% of banks under $1B in assets in IL (rank 64 of 149).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in IL (rank 133 of 147).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.64%
Rank 120 of 149
Net Interest Margin
3.51%
Rank 64 of 149
Efficiency Ratio
65.28%
Rank 80 of 149
Equity / Assets
8.95%
Rank 116 of 149
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 47% 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 | 0.64% | 0.74% | 1.04% | 1.34% | Beats 19% | 120 / 149 | |
| Return on Equity | 7.19% | 6.82% | 9.34% | 12.94% | Beats 29% | 106 / 149 | |
| Net Interest Margin | 3.51% | 3.04% | 3.43% | 3.83% | Beats 57% | 64 / 149 | |
| Efficiency Ratio | 65.28% | 54.64% | 64.55% | 71.82% | Beats 47% | 80 / 149 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.83% | 0.19% | 0.65% | 1.77% | Beats 24% | 113 / 147 | |
| Net Charge-Offs / Loans | 0.24% | 0.00% | 0.02% | 0.07% | Beats 10% | 133 / 147 | |
| Capital |
| Tier 1 Capital Ratio | 11.83% | 11.87% | 14.21% | 18.66% | Beats 24% | 113 / 149 | |
| Total Risk-Based Capital Ratio | 12.91% | 12.22% | 14.72% | 19.92% | Beats 35% | 97 / 149 | |
| Equity / Assets | 8.95% | 9.24% | 10.65% | 12.40% | Beats 22% | 116 / 149 | |
| Liquidity & Funding |
| Loans / Deposits | 98.52% | 53.80% | 70.99% | 80.75% | 96th pctl | 6 / 147 | |
| Loans / Assets | 84.13% | 46.03% | 61.30% | 67.68% | 98th pctl | 3 / 149 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |