Sainte Marie State Bank
Sainte Marie, IL · Cert 12086 · Peer group: banks under $1B in assets operating regionally (n=94)
State charter, non-member · FDIC · 2 branches
Q2 2026
$23.0MAssets
$9.1MLoans
$19.2MDeposits
$3.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 96% of banks under $1B in assets operating regionally (rank 4 of 94).
- Widest gap: return on equity trails 99% of banks under $1B in assets operating regionally (rank 93 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.67%
Rank 93 of 94
Net Interest Margin
3.39%
Rank 73 of 94
Efficiency Ratio
115.56%
Rank 93 of 94
Equity / Assets
15.53%
Rank 4 of 94
Non-interest income vs. expense
Unfavorable gap of $882K · efficiency ratio beats 2% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.67% | 0.82% | 1.19% | 1.46% | Beats 1% | 93 / 94 | | |
| Return on Equity | -4.32% | 7.85% | 11.84% | 14.03% | Beats 1% | 93 / 94 | | |
| Net Interest Margin | 3.39% | 3.42% | 3.81% | 4.18% | Beats 22% | 73 / 94 | | |
| Efficiency Ratio | 115.56% | 55.99% | 62.41% | 73.02% | Beats 2% | 93 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.19% | 0.47% | 1.14% | Beats 60% | 39 / 94 | | |
| Net Charge-Offs / Loans | 0.31% | 0.00% | 0.02% | 0.05% | Beats 6% | 89 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 15.83% | 10.28% | 11.95% | 15.07% | Beats 80% | 19 / 94 | | |
| Total Risk-Based Capital Ratio | 15.83% | 10.31% | 12.59% | 15.88% | Beats 73% | 25 / 94 | | |
| Equity / Assets | 15.53% | 8.98% | 10.21% | 11.41% | Beats 96% | 4 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.29% | 72.62% | 84.44% | 94.55% | 2nd pctl | 92 / 94 | | |
| Loans / Assets | 39.53% | 62.50% | 72.84% | 78.99% | 2nd pctl | 92 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |