Community Bank of Trenton
Trenton, IL · Cert 18889 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=40-42)
FDIC · 2 branches
Q2 2025
$125.9MAssets
$94.0MLoans
$109.2MDeposits
$11.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of banks under $1B in assets in the St. Louis, MO-IL area (rank 11 of 42).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 39 of 40).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.07%
Rank 15 of 42
Net Interest Margin
2.98%
Rank 24 of 42
Efficiency Ratio
58.85%
Rank 11 of 42
Equity / Assets
9.45%
Rank 17 of 42
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 76% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.53% | 0.87% | 1.09% | Beats 64% | 15 / 42 | | |
| Return on Equity | 11.27% | 5.88% | 9.03% | 11.69% | Beats 69% | 13 / 42 | | |
| Net Interest Margin | 2.98% | 2.67% | 3.06% | 3.41% | Beats 43% | 24 / 42 | | |
| Efficiency Ratio | 58.85% | 58.85% | 66.95% | 76.17% | Beats 76% | 11 / 42 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.91% | 0.09% | 0.54% | 1.87% | Beats 5% | 39 / 40 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 50% | 21 / 40 | | |
| Capital |
| Tier 1 Capital Ratio | 13.51% | 10.75% | 12.51% | 15.15% | Beats 64% | 15 / 42 | | |
| Total Risk-Based Capital Ratio | 14.76% | 11.42% | 13.34% | 15.91% | Beats 71% | 12 / 42 | | |
| Equity / Assets | 9.45% | 7.78% | 9.18% | 10.82% | Beats 60% | 17 / 42 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.04% | 62.27% | 74.82% | 88.28% | 67th pctl | 14 / 42 | | |
| Loans / Assets | 74.68% | 55.74% | 69.12% | 78.61% | 65th pctl | 14 / 40 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |