State Bank of Toulon
Toulon, IL · Cert 12386 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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: nonperforming loans / loans outperforms 72% of banks under $1B in assets operating in a single state (rank 206 of 743).
- Widest gap: net interest margin trails 72% of banks under $1B in assets operating in a single state (rank 537 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 348 of 746
Net Interest Margin
3.25%
Rank 537 of 746
Efficiency Ratio
57.22%
Rank 218 of 746
Equity / Assets
9.73%
Rank 464 of 746
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 71% 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 | 1.11% | 0.72% | 1.06% | 1.45% | Beats 53% | 348 / 746 | | |
| Return on Equity | 11.39% | 6.74% | 10.51% | 13.63% | Beats 58% | 310 / 746 | | |
| Net Interest Margin | 3.25% | 3.17% | 3.68% | 4.16% | Beats 28% | 537 / 746 | | |
| Efficiency Ratio | 57.22% | 55.74% | 64.58% | 75.47% | Beats 71% | 218 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 206 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 478 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.45% | 11.55% | 13.75% | 17.60% | Beats 36% | 478 / 746 | | |
| Total Risk-Based Capital Ratio | 13.15% | 11.71% | 14.33% | 18.43% | Beats 39% | 456 / 746 | | |
| Equity / Assets | 9.73% | 8.90% | 10.51% | 13.06% | Beats 38% | 464 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.55% | 61.31% | 78.27% | 90.78% | 44th pctl | 420 / 746 | | |
| Loans / Assets | 64.83% | 53.60% | 66.97% | 76.08% | 45th pctl | 412 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |