Apple River State Bank
Apple River, IL · Cert 17453 · Peer group: banks under $1B in assets operating regionally (n=100) · First Apple River Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
$675.2MAssets
$398.2MLoans
$548.3MDeposits
$52.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets operating regionally (rank 16 of 100).
- Widest gap: net interest margin trails 89% of banks under $1B in assets operating regionally (rank 89 of 100).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.23%
Rank 47 of 100
Net Interest Margin
3.03%
Rank 89 of 100
Efficiency Ratio
53.91%
Rank 18 of 100
Equity / Assets
7.78%
Rank 88 of 100
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 83% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.82% | 1.19% | 1.50% | Beats 53% | 47 / 100 | |
| Return on Equity | 15.81% | 7.96% | 11.91% | 14.16% | Beats 84% | 16 / 100 | |
| Net Interest Margin | 3.03% | 3.43% | 3.80% | 4.17% | Beats 11% | 89 / 100 | |
| Efficiency Ratio | 53.91% | 55.88% | 62.41% | 72.90% | Beats 83% | 18 / 100 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.19% | 0.47% | 1.06% | Beats 68% | 33 / 100 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 69% | 32 / 100 | |
| Capital |
| Tier 1 Capital Ratio | 14.75% | 10.31% | 12.02% | 14.75% | Beats 75% | 25 / 100 | |
| Total Risk-Based Capital Ratio | 15.64% | 10.50% | 12.71% | 15.64% | Beats 75% | 25 / 100 | |
| Equity / Assets | 7.78% | 8.89% | 10.14% | 11.36% | Beats 12% | 88 / 100 | |
| Liquidity & Funding |
| Loans / Deposits | 72.62% | 73.97% | 83.99% | 92.79% | 24th pctl | 76 / 100 | |
| Loans / Assets | 58.97% | 62.33% | 70.97% | 78.76% | 15th pctl | 85 / 100 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |