Princeville State Bank
Princeville, IL · Cert 16900 · Peer group: banks under $1B in assets (n=581-629) · 1870 Holdings Inc.
State charter, Fed member · FED · 1 affiliate bank · 2 branches (10 in holding)
Q2 2026
$124.4MAssets
$70.4MLoans
$102.6MDeposits
$16.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets (rank 137 of 629).
- Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets (rank 571 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.43%
Rank 164 of 629
Net Interest Margin
4.12%
Rank 137 of 629
Efficiency Ratio
58.39%
Rank 159 of 629
Equity / Assets
13.12%
Rank 183 of 629
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 75% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.60% | 1.01% | 1.45% | Beats 74% | 164 / 629 | |
| Return on Equity | 10.92% | 5.38% | 9.30% | 13.28% | Beats 60% | 250 / 629 | |
| Net Interest Margin | 4.12% | 3.03% | 3.54% | 4.05% | Beats 78% | 137 / 629 | |
| Efficiency Ratio | 58.39% | 58.35% | 67.79% | 79.08% | Beats 75% | 159 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.42% | 0.09% | 0.46% | 1.20% | Beats 2% | 571 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 63% | 219 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.23% | 11.24% | 13.84% | 18.77% | Beats 4% | 606 / 629 | |
| Total Risk-Based Capital Ratio | 9.23% | 11.58% | 14.43% | 19.66% | Beats 3% | 607 / 629 | |
| Equity / Assets | 13.12% | 9.09% | 10.65% | 13.80% | Beats 71% | 183 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 68.58% | 67.24% | 80.90% | 93.48% | 27th pctl | 432 / 594 | |
| Loans / Assets | 56.56% | 53.31% | 67.71% | 78.15% | 29th pctl | 445 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |