Bank of Stronghurst
Stronghurst, IL · Cert 16413 · Peer group: banks under $1B in assets in IL (n=149-151)
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 27 of 149).
- Widest gap: net interest margin trails 93% of banks under $1B in assets in IL (rank 141 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.44%
Rank 130 of 151
Net Interest Margin
2.57%
Rank 141 of 151
Efficiency Ratio
83.73%
Rank 139 of 151
Equity / Assets
10.92%
Rank 64 of 151
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.70% | 1.03% | 1.34% | Beats 14% | 130 / 151 | | |
| Return on Equity | 4.05% | 6.74% | 9.34% | 12.94% | Beats 11% | 134 / 151 | | |
| Net Interest Margin | 2.57% | 3.02% | 3.43% | 3.83% | Beats 7% | 141 / 151 | | |
| Efficiency Ratio | 83.73% | 54.64% | 64.89% | 72.50% | Beats 9% | 139 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.20% | 0.66% | 1.77% | Beats 27% | 110 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 14.17% | 11.83% | 14.17% | 18.66% | Beats 50% | 76 / 151 | | |
| Total Risk-Based Capital Ratio | 14.17% | 12.22% | 14.54% | 19.92% | Beats 46% | 82 / 151 | | |
| Equity / Assets | 10.92% | 9.10% | 10.65% | 12.40% | Beats 58% | 64 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.78% | 54.39% | 71.02% | 80.75% | 21st pctl | 118 / 149 | | |
| Loans / Assets | 46.87% | 45.91% | 61.31% | 68.01% | 27th pctl | 110 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |