State Bank of Toulon
Toulon, IL · Cert 12386 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Stark County Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$343.4MAssets
$222.6MLoans
$298.6MDeposits
$33.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 72% of banks under $1B in assets operating in a single state (rank 215 of 755).
- Widest gap: net interest margin trails 71% of banks under $1B in assets operating in a single state (rank 537 of 755).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 350 of 755
Net Interest Margin
3.25%
Rank 537 of 755
Efficiency Ratio
57.22%
Rank 215 of 755
Equity / Assets
9.73%
Rank 481 of 755
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 72% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 54% | 350 / 755 | |
| Return on Equity | 11.39% | 6.66% | 10.44% | 13.61% | Beats 59% | 310 / 755 | |
| Net Interest Margin | 3.25% | 3.15% | 3.68% | 4.17% | Beats 29% | 537 / 755 | |
| Efficiency Ratio | 57.22% | 55.75% | 64.78% | 75.61% | Beats 72% | 215 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.05% | Beats 72% | 210 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 37% | 473 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 12.45% | 11.56% | 13.81% | 17.74% | Beats 36% | 484 / 755 | |
| Total Risk-Based Capital Ratio | 13.15% | 11.72% | 14.46% | 18.53% | Beats 38% | 465 / 755 | |
| Equity / Assets | 9.73% | 8.93% | 10.56% | 13.13% | Beats 36% | 481 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 74.55% | 62.43% | 78.62% | 91.00% | 42nd pctl | 435 / 755 | |
| Loans / Assets | 64.83% | 54.70% | 67.27% | 76.55% | 44th pctl | 424 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |