Bank of Stronghurst
Stronghurst, IL · Cert 16413 · Peer group: banks under $1B in assets in IL (n=146-148)
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 146).
- Widest gap: net interest margin trails 95% of banks under $1B in assets in IL (rank 140 of 148).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.44%
Rank 128 of 148
Net Interest Margin
2.57%
Rank 140 of 148
Efficiency Ratio
83.73%
Rank 136 of 148
Equity / Assets
10.92%
Rank 64 of 148
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% | 0.74% | 1.04% | 1.35% | Beats 14% | 128 / 148 | | |
| Return on Equity | 4.05% | 6.82% | 9.34% | 12.94% | Beats 11% | 132 / 148 | | |
| Net Interest Margin | 2.57% | 3.04% | 3.45% | 3.85% | Beats 5% | 140 / 148 | | |
| Efficiency Ratio | 83.73% | 54.64% | 64.64% | 72.22% | Beats 9% | 136 / 148 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.20% | 0.66% | 1.77% | Beats 27% | 108 / 146 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 146 | | |
| Capital |
| Tier 1 Capital Ratio | 14.17% | 11.87% | 14.21% | 19.02% | Beats 49% | 76 / 148 | | |
| Total Risk-Based Capital Ratio | 14.17% | 12.22% | 14.72% | 19.93% | Beats 45% | 82 / 148 | | |
| Equity / Assets | 10.92% | 9.29% | 10.67% | 12.50% | Beats 57% | 64 / 148 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.78% | 54.39% | 71.02% | 80.75% | 21st pctl | 116 / 146 | | |
| Loans / Assets | 46.87% | 46.03% | 61.31% | 68.01% | 27th pctl | 108 / 148 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |