Teutopolis State Bank
Teutopolis, IL · Cert 11708 · Peer group: banks under $1B in assets in IL (n=147-149) · Teutopolis Holding Co.
State charter, Fed member · FED · 3 branches
Q2 2026
$358.5MAssets
$183.1MLoans
$309.0MDeposits
$48.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 15 of 147).
- Widest gap: net charge-offs / loans trails 59% of banks under $1B in assets in IL (rank 89 of 147).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.76%
Rank 10 of 149
Net Interest Margin
3.51%
Rank 63 of 149
Efficiency Ratio
38.59%
Rank 2 of 149
Equity / Assets
13.53%
Rank 27 of 149
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 99% 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 | 1.76% | 0.74% | 1.04% | 1.34% | Beats 93% | 10 / 149 | |
| Return on Equity | 13.04% | 6.82% | 9.34% | 12.94% | Beats 77% | 35 / 149 | |
| Net Interest Margin | 3.51% | 3.04% | 3.43% | 3.83% | Beats 58% | 63 / 149 | |
| Efficiency Ratio | 38.59% | 54.64% | 64.55% | 71.82% | Beats 99% | 2 / 149 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.65% | 1.77% | Beats 100% | 15 / 147 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 41% | 89 / 147 | |
| Capital |
| Tier 1 Capital Ratio | 14.72% | 11.87% | 14.21% | 18.66% | Beats 54% | 69 / 149 | |
| Total Risk-Based Capital Ratio | 14.72% | 12.22% | 14.72% | 19.92% | Beats 50% | 75 / 149 | |
| Equity / Assets | 13.53% | 9.24% | 10.65% | 12.40% | Beats 82% | 27 / 149 | |
| Liquidity & Funding |
| Loans / Deposits | 59.24% | 53.80% | 70.99% | 80.75% | 32nd pctl | 100 / 147 | |
| Loans / Assets | 51.06% | 46.03% | 61.30% | 67.68% | 35th pctl | 97 / 149 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |