Teutopolis State Bank
Teutopolis, IL · Cert 11708 · Peer group: banks under $1B in assets in IL (n=146-148) · 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 14 of 146).
- Widest gap: net charge-offs / loans trails 59% of banks under $1B in assets in IL (rank 88 of 146).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.76%
Rank 10 of 148
Net Interest Margin
3.51%
Rank 63 of 148
Efficiency Ratio
38.59%
Rank 2 of 148
Equity / Assets
13.53%
Rank 27 of 148
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.74% | 1.04% | 1.35% | Beats 93% | 10 / 148 | | |
| Return on Equity | 13.04% | 6.82% | 9.34% | 12.94% | Beats 77% | 34 / 148 | | |
| Net Interest Margin | 3.51% | 3.04% | 3.45% | 3.85% | Beats 57% | 63 / 148 | | |
| Efficiency Ratio | 38.59% | 54.64% | 64.64% | 72.22% | Beats 99% | 2 / 148 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 146 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 41% | 88 / 146 | | |
| Capital |
| Tier 1 Capital Ratio | 14.72% | 11.87% | 14.21% | 19.02% | Beats 54% | 68 / 148 | | |
| Total Risk-Based Capital Ratio | 14.72% | 12.22% | 14.72% | 19.93% | Beats 50% | 74 / 148 | | |
| Equity / Assets | 13.53% | 9.29% | 10.67% | 12.50% | Beats 82% | 27 / 148 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.24% | 54.39% | 71.02% | 80.75% | 32nd pctl | 100 / 146 | | |
| Loans / Assets | 51.06% | 46.03% | 61.31% | 68.01% | 34th pctl | 97 / 148 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |