Better Banks
Peoria, IL · Cert 1808 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Backlund Inv Employee STK Ownership Plan
State charter, non-member · FDIC · 1 affiliate bank · 9 branches (12 in holding)
Q2 2026
$445.8MAssets
$300.5MLoans
$407.0MDeposits
$35.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 60% of banks under $1B in assets operating in a single state (rank 298 of 746).
- Widest gap: equity / assets trails 87% of banks under $1B in assets operating in a single state (rank 650 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.92%
Rank 448 of 746
Net Interest Margin
3.71%
Rank 359 of 746
Efficiency Ratio
71.97%
Rank 508 of 746
Equity / Assets
7.96%
Rank 650 of 746
Non-interest income vs. expense
Unfavorable gap of $10.0M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.72% | 1.06% | 1.45% | Beats 40% | 448 / 746 | | |
| Return on Equity | 11.56% | 6.74% | 10.51% | 13.63% | Beats 60% | 298 / 746 | | |
| Net Interest Margin | 3.71% | 3.17% | 3.68% | 4.16% | Beats 52% | 359 / 746 | | |
| Efficiency Ratio | 71.97% | 55.74% | 64.58% | 75.47% | Beats 32% | 508 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.09% | 0.42% | 1.07% | Beats 16% | 624 / 743 | | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 17% | 617 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.36% | 11.55% | 13.75% | 17.60% | Beats 45% | 408 / 746 | | |
| Total Risk-Based Capital Ratio | 14.61% | 11.71% | 14.33% | 18.43% | Beats 51% | 362 / 746 | | |
| Equity / Assets | 7.96% | 8.90% | 10.51% | 13.06% | Beats 13% | 650 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.84% | 61.31% | 78.27% | 90.78% | 42nd pctl | 434 / 746 | | |
| Loans / Assets | 67.41% | 53.60% | 66.97% | 76.08% | 51st pctl | 364 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |