Exchange State Bank
Lanark, IL · Cert 12402 · Peer group: banks under $1B in assets in IL (n=149-151) · Lanark Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$112.7MAssets
$62.0MLoans
$98.6MDeposits
$10.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets in IL (rank 128 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.23%
Rank 49 of 151
Net Interest Margin
3.01%
Rank 116 of 151
Efficiency Ratio
55.94%
Rank 43 of 151
Equity / Assets
9.32%
Rank 110 of 151
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 72% 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 | 1.23% | 0.70% | 1.03% | 1.34% | Beats 68% | 49 / 151 | |
| Return on Equity | 13.19% | 6.74% | 9.34% | 12.94% | Beats 78% | 33 / 151 | |
| Net Interest Margin | 3.01% | 3.02% | 3.43% | 3.83% | Beats 23% | 116 / 151 | |
| Efficiency Ratio | 55.94% | 54.64% | 64.89% | 72.50% | Beats 72% | 43 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.20% | 0.66% | 1.77% | Beats 87% | 21 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 11.47% | 11.83% | 14.17% | 18.66% | Beats 19% | 123 / 151 | |
| Total Risk-Based Capital Ratio | 11.47% | 12.22% | 14.54% | 19.92% | Beats 15% | 128 / 151 | |
| Equity / Assets | 9.32% | 9.10% | 10.65% | 12.40% | Beats 27% | 110 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 62.84% | 54.39% | 71.02% | 80.75% | 34th pctl | 98 / 149 | |
| Loans / Assets | 54.97% | 45.91% | 61.31% | 68.01% | 39th pctl | 92 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |