Milledgeville State Bank
Milledgeville, IL · Cert 15873 · Peer group: banks under $1B in assets in IL (n=149-151) · Milledgeville Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$215.2MAssets
$140.0MLoans
$170.6MDeposits
$20.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: net interest margin trails 84% of banks under $1B in assets in IL (rank 127 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.63%
Rank 121 of 151
Net Interest Margin
2.86%
Rank 127 of 151
Efficiency Ratio
51.64%
Rank 24 of 151
Equity / Assets
9.40%
Rank 107 of 151
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 85% 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 | 0.63% | 0.70% | 1.03% | 1.34% | Beats 20% | 121 / 151 | |
| Return on Equity | 6.72% | 6.74% | 9.34% | 12.94% | Beats 24% | 115 / 151 | |
| Net Interest Margin | 2.86% | 3.02% | 3.43% | 3.83% | Beats 16% | 127 / 151 | |
| Efficiency Ratio | 51.64% | 54.64% | 64.89% | 72.50% | Beats 85% | 24 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.20% | 0.66% | 1.77% | Beats 67% | 50 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 13.76% | 11.83% | 14.17% | 18.66% | Beats 46% | 82 / 151 | |
| Total Risk-Based Capital Ratio | 14.86% | 12.22% | 14.54% | 19.92% | Beats 53% | 71 / 151 | |
| Equity / Assets | 9.40% | 9.10% | 10.65% | 12.40% | Beats 29% | 107 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 82.06% | 54.39% | 71.02% | 80.75% | 78th pctl | 33 / 149 | |
| Loans / Assets | 65.08% | 45.91% | 61.31% | 68.01% | 60th pctl | 60 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |