State Bank of Toulon
Toulon, IL · Cert 12386 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 209 of 748).
- Widest gap: net interest margin trails 72% of banks under $1B in assets operating in a single state (rank 544 of 752).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 356 of 752
Net Interest Margin
3.25%
Rank 544 of 752
Efficiency Ratio
57.22%
Rank 217 of 752
Equity / Assets
9.73%
Rank 479 of 752
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% | 1.07% | 1.45% | Beats 53% | 356 / 752 | | |
| Return on Equity | 11.39% | 6.78% | 10.58% | 13.65% | Beats 58% | 314 / 752 | | |
| Net Interest Margin | 3.25% | 3.18% | 3.69% | 4.17% | Beats 28% | 544 / 752 | | |
| Efficiency Ratio | 57.22% | 55.75% | 64.49% | 75.47% | Beats 71% | 217 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.03% | Beats 72% | 209 / 748 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 37% | 472 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 12.45% | 11.55% | 13.75% | 17.60% | Beats 36% | 481 / 752 | | |
| Total Risk-Based Capital Ratio | 13.15% | 11.70% | 14.33% | 18.47% | Beats 39% | 460 / 752 | | |
| Equity / Assets | 9.73% | 8.93% | 10.56% | 13.13% | Beats 36% | 479 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.55% | 62.23% | 78.64% | 91.26% | 43rd pctl | 432 / 752 | | |
| Loans / Assets | 64.83% | 54.61% | 67.41% | 76.47% | 44th pctl | 423 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |