Bank of Calhoun County
Hardin, IL · Cert 12549 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · BCC Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$99.5MAssets
$52.7MLoans
$89.7MDeposits
$9.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
- Widest gap: equity / assets trails 55% of banks under $1B in assets in the St. Louis, MO-IL area (rank 22 of 40).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.05%
Rank 19 of 40
Net Interest Margin
3.32%
Rank 18 of 40
Efficiency Ratio
61.09%
Rank 15 of 40
Equity / Assets
9.37%
Rank 22 of 40
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 65% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.64% | 1.04% | 1.26% | Beats 53% | 19 / 40 | |
| Return on Equity | 11.26% | 6.25% | 9.97% | 13.41% | Beats 65% | 14 / 40 | |
| Net Interest Margin | 3.32% | 3.09% | 3.22% | 3.62% | Beats 55% | 18 / 40 | |
| Efficiency Ratio | 61.09% | 57.08% | 64.37% | 75.86% | Beats 65% | 15 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.14% | 0.62% | 1.92% | Beats 71% | 12 / 38 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 100% | 9 / 38 | |
| Capital |
| Tier 1 Capital Ratio | 18.74% | 10.29% | 12.88% | 15.77% | Beats 85% | 6 / 40 | |
| Total Risk-Based Capital Ratio | 19.30% | 10.64% | 13.30% | 17.01% | Beats 83% | 7 / 40 | |
| Equity / Assets | 9.37% | 8.59% | 9.46% | 12.46% | Beats 45% | 22 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 58.75% | 66.12% | 79.48% | 94.60% | 18th pctl | 33 / 40 | |
| Loans / Assets | 52.96% | 54.69% | 68.52% | 77.46% | 23rd pctl | 31 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |