Hartsburg State Bank
Hartsburg, IL · Cert 11716 · Peer group: banks under $1B in assets in IL (n=149-151)
State charter, Fed member · FED · 1 branch
Q2 2026
$18.1MAssets
$5.6MLoans
$16.5MDeposits
$1.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in IL (rank 39 of 149).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in IL (rank 145 of 149).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.22%
Rank 143 of 151
Net Interest Margin
2.80%
Rank 130 of 151
Efficiency Ratio
92.73%
Rank 146 of 151
Equity / Assets
8.45%
Rank 121 of 151
Non-interest income vs. expense
Unfavorable gap of $468K · efficiency ratio beats 4% 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 | 0.22% | 0.70% | 1.03% | 1.34% | Beats 5% | 143 / 151 | |
| Return on Equity | 2.61% | 6.74% | 9.34% | 12.94% | Beats 7% | 141 / 151 | |
| Net Interest Margin | 2.80% | 3.02% | 3.43% | 3.83% | Beats 14% | 130 / 151 | |
| Efficiency Ratio | 92.73% | 54.64% | 64.89% | 72.50% | Beats 4% | 146 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.66% | 1.77% | Beats 74% | 39 / 149 | |
| Net Charge-Offs / Loans | 0.64% | 0.00% | 0.02% | 0.07% | Beats 3% | 145 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 11.51% | 11.83% | 14.17% | 18.66% | Beats 20% | 121 / 151 | |
| Total Risk-Based Capital Ratio | 11.51% | 12.22% | 14.54% | 19.92% | Beats 17% | 126 / 151 | |
| Equity / Assets | 8.45% | 9.10% | 10.65% | 12.40% | Beats 20% | 121 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 33.81% | 54.39% | 71.02% | 80.75% | 3rd pctl | 145 / 149 | |
| Loans / Assets | 30.82% | 45.91% | 61.31% | 68.01% | 5th pctl | 143 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |