Bank of Stronghurst
Stronghurst, IL · Cert 16413 · Peer group: banks under $1B in assets in IL (n=147-149)
State charter, non-member · FDIC · 3 branches
Q2 2026
$87.6MAssets
$41.1MLoans
$77.8MDeposits
$9.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 28 of 147).
- Widest gap: net interest margin trails 95% of banks under $1B in assets in IL (rank 141 of 149).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.44%
Rank 129 of 149
Net Interest Margin
2.57%
Rank 141 of 149
Efficiency Ratio
83.73%
Rank 137 of 149
Equity / Assets
10.92%
Rank 64 of 149
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 9% 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 | 0.44% | 0.74% | 1.04% | 1.34% | Beats 13% | 129 / 149 | |
| Return on Equity | 4.05% | 6.82% | 9.34% | 12.94% | Beats 11% | 133 / 149 | |
| Net Interest Margin | 2.57% | 3.04% | 3.43% | 3.83% | Beats 5% | 141 / 149 | |
| Efficiency Ratio | 83.73% | 54.64% | 64.55% | 71.82% | Beats 9% | 137 / 149 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.19% | 0.65% | 1.77% | Beats 27% | 109 / 147 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 28 / 147 | |
| Capital |
| Tier 1 Capital Ratio | 14.17% | 11.87% | 14.21% | 18.66% | Beats 48% | 77 / 149 | |
| Total Risk-Based Capital Ratio | 14.17% | 12.22% | 14.72% | 19.92% | Beats 44% | 83 / 149 | |
| Equity / Assets | 10.92% | 9.24% | 10.65% | 12.40% | Beats 57% | 64 / 149 | |
| Liquidity & Funding |
| Loans / Deposits | 52.78% | 53.80% | 70.99% | 80.75% | 21st pctl | 116 / 147 | |
| Loans / Assets | 46.87% | 46.03% | 61.30% | 67.68% | 27th pctl | 109 / 149 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |