Bank of Rantoul
Rantoul, IL · Cert 11711 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bancorp of Rantoul Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$285.8MAssets
$96.4MLoans
$223.3MDeposits
$27.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets operating in a single state (rank 632 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.17%
Rank 314 of 746
Net Interest Margin
2.91%
Rank 636 of 746
Efficiency Ratio
52.74%
Rank 145 of 746
Equity / Assets
9.62%
Rank 477 of 746
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 81% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 58% | 314 / 746 | | |
| Return on Equity | 12.12% | 6.74% | 10.51% | 13.63% | Beats 64% | 267 / 746 | | |
| Net Interest Margin | 2.91% | 3.17% | 3.68% | 4.16% | Beats 15% | 636 / 746 | | |
| Efficiency Ratio | 52.74% | 55.74% | 64.58% | 75.47% | Beats 81% | 145 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 255 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.75% | 11.55% | 13.75% | 17.60% | Beats 16% | 624 / 746 | | |
| Total Risk-Based Capital Ratio | 10.75% | 11.71% | 14.33% | 18.43% | Beats 15% | 632 / 746 | | |
| Equity / Assets | 9.62% | 8.90% | 10.51% | 13.06% | Beats 36% | 477 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.14% | 61.31% | 78.27% | 90.78% | 7th pctl | 697 / 746 | | |
| Loans / Assets | 33.71% | 53.60% | 66.97% | 76.08% | 5th pctl | 706 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |