Trustbank
Olney, IL · Cert 14662 · Peer group: banks under $1B in assets operating regionally (n=94) · Rich Land Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$640.2MAssets
$547.1MLoans
$557.6MDeposits
$64.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 82% of banks under $1B in assets operating regionally (rank 17 of 94).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets operating regionally (rank 84 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.52%
Rank 17 of 94
Net Interest Margin
3.96%
Rank 39 of 94
Efficiency Ratio
61.47%
Rank 44 of 94
Equity / Assets
10.04%
Rank 55 of 94
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 54% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.82% | 1.19% | 1.46% | Beats 82% | 17 / 94 | | |
| Return on Equity | 15.09% | 7.85% | 11.84% | 14.03% | Beats 80% | 19 / 94 | | |
| Net Interest Margin | 3.96% | 3.42% | 3.81% | 4.18% | Beats 59% | 39 / 94 | | |
| Efficiency Ratio | 61.47% | 55.99% | 62.41% | 73.02% | Beats 54% | 44 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.19% | 0.47% | 1.14% | Beats 36% | 61 / 94 | | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.02% | 0.05% | Beats 12% | 84 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 9.81% | 10.28% | 11.95% | 15.07% | Beats 15% | 80 / 94 | | |
| Total Risk-Based Capital Ratio | 9.81% | 10.31% | 12.59% | 15.88% | Beats 13% | 82 / 94 | | |
| Equity / Assets | 10.04% | 8.98% | 10.21% | 11.41% | Beats 41% | 55 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.12% | 72.62% | 84.44% | 94.55% | 80th pctl | 19 / 94 | | |
| Loans / Assets | 85.45% | 62.50% | 72.84% | 78.99% | 89th pctl | 10 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |