PackageTrendsPeer
Letter portraitLegal landscape

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

$0.2M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 65% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 61.09%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%0.64%1.04%1.26%Beats 53%19 / 40
Return on Equity11.26%6.25%9.97%13.41%Beats 65%14 / 40
Net Interest Margin3.32%3.09%3.22%3.62%Beats 55%18 / 40
Efficiency Ratio61.09%57.08%64.37%75.86%Beats 65%15 / 40
Asset Quality
Nonperforming Loans / Loans0.23%0.14%0.62%1.92%Beats 71%12 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio18.74%10.29%12.88%15.77%Beats 85%6 / 40
Total Risk-Based Capital Ratio19.30%10.64%13.30%17.01%Beats 83%7 / 40
Equity / Assets9.37%8.59%9.46%12.46%Beats 45%22 / 40
Liquidity & Funding
Loans / Deposits58.75%66.12%79.48%94.60%18th pctl33 / 40
Loans / Assets52.96%54.69%68.52%77.46%23rd pctl31 / 40
Brokered Deposits / Depositsn/aNot reported for this institution