First State Bank of Dongola, The
Dongola, IL · Cert 12098 · Peer group: banks under $1B in assets in IL (n=149-151) · Tri-County Holdings Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$34.7MAssets
$17.1MLoans
$31.2MDeposits
$3.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks under $1B in assets in IL (rank 30 of 151).
- Widest gap: efficiency ratio trails 85% of banks under $1B in assets in IL (rank 130 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.74%
Rank 112 of 151
Net Interest Margin
3.90%
Rank 30 of 151
Efficiency Ratio
79.80%
Rank 130 of 151
Equity / Assets
9.51%
Rank 102 of 151
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 15% 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 | 0.74% | 0.70% | 1.03% | 1.34% | Beats 26% | 112 / 151 | |
| Return on Equity | 7.81% | 6.74% | 9.34% | 12.94% | Beats 36% | 97 / 151 | |
| Net Interest Margin | 3.90% | 3.02% | 3.43% | 3.83% | Beats 80% | 30 / 151 | |
| Efficiency Ratio | 79.80% | 54.64% | 64.89% | 72.50% | Beats 15% | 130 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.20% | 0.66% | 1.77% | Beats 69% | 47 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 56% | 66 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 19.06% | 11.83% | 14.17% | 18.66% | Beats 76% | 36 / 151 | |
| Total Risk-Based Capital Ratio | 20.02% | 12.22% | 14.54% | 19.92% | Beats 76% | 36 / 151 | |
| Equity / Assets | 9.51% | 9.10% | 10.65% | 12.40% | Beats 32% | 102 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 54.88% | 54.39% | 71.02% | 80.75% | 26th pctl | 110 / 149 | |
| Loans / Assets | 49.42% | 45.91% | 61.31% | 68.01% | 30th pctl | 105 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |