First State Bank Shannon-Polo
Shannon, IL · Cert 1781 · Peer group: banks under $1B in assets in IL (n=149-151) · Shannon Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$190.5MAssets
$109.2MLoans
$167.1MDeposits
$16.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 53% of banks under $1B in assets in IL (rank 71 of 151).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in IL (rank 137 of 149).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.81%
Rank 103 of 151
Net Interest Margin
2.98%
Rank 118 of 151
Efficiency Ratio
69.29%
Rank 102 of 151
Equity / Assets
8.44%
Rank 122 of 151
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 33% 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 | 0.81% | 0.70% | 1.03% | 1.34% | Beats 32% | 103 / 151 | | |
| Return on Equity | 9.60% | 6.74% | 9.34% | 12.94% | Beats 53% | 71 / 151 | | |
| Net Interest Margin | 2.98% | 3.02% | 3.43% | 3.83% | Beats 22% | 118 / 151 | | |
| Efficiency Ratio | 69.29% | 54.64% | 64.89% | 72.50% | Beats 33% | 102 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.64% | 0.20% | 0.66% | 1.77% | Beats 14% | 129 / 149 | | |
| Net Charge-Offs / Loans | 0.27% | 0.00% | 0.02% | 0.07% | Beats 9% | 137 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 13.80% | 11.83% | 14.17% | 18.66% | Beats 46% | 81 / 151 | | |
| Total Risk-Based Capital Ratio | 14.69% | 12.22% | 14.54% | 19.92% | Beats 50% | 75 / 151 | | |
| Equity / Assets | 8.44% | 9.10% | 10.65% | 12.40% | Beats 19% | 122 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.36% | 54.39% | 71.02% | 80.75% | 40th pctl | 90 / 149 | | |
| Loans / Assets | 57.33% | 45.91% | 61.31% | 68.01% | 43rd pctl | 86 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |