Apple River State Bank
Apple River, IL · Cert 17453 · Peer group: banks under $1B in assets operating regionally (n=94) · 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: efficiency ratio outperforms 85% of banks under $1B in assets operating regionally (rank 15 of 94).
- Widest gap: equity / assets trails 90% of banks under $1B in assets operating regionally (rank 85 of 94).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.23%
Rank 43 of 94
Net Interest Margin
3.03%
Rank 85 of 94
Efficiency Ratio
53.91%
Rank 15 of 94
Equity / Assets
7.78%
Rank 85 of 94
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 85% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.82% | 1.19% | 1.46% | Beats 54% | 43 / 94 | | |
| Return on Equity | 15.81% | 7.85% | 11.84% | 14.03% | Beats 84% | 15 / 94 | | |
| Net Interest Margin | 3.03% | 3.42% | 3.81% | 4.18% | Beats 10% | 85 / 94 | | |
| Efficiency Ratio | 53.91% | 55.99% | 62.41% | 73.02% | Beats 85% | 15 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.19% | 0.47% | 1.14% | Beats 68% | 31 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 69% | 30 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 14.75% | 10.28% | 11.95% | 15.07% | Beats 71% | 27 / 94 | | |
| Total Risk-Based Capital Ratio | 15.64% | 10.31% | 12.59% | 15.88% | Beats 70% | 28 / 94 | | |
| Equity / Assets | 7.78% | 8.98% | 10.21% | 11.41% | Beats 10% | 85 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.62% | 72.62% | 84.44% | 94.55% | 24th pctl | 71 / 94 | | |
| Loans / Assets | 58.97% | 62.50% | 72.84% | 78.99% | 14th pctl | 81 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |