Community National Bank in Monmouth
Monmouth, IL · Cert 19230 · Peer group: banks under $1B in assets in IL (n=149-151) · CNB Holdings Inc.
National charter · OCC · 1 branch
Q2 2026
$55.1MAssets
$33.8MLoans
$47.7MDeposits
$7.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 87% of banks under $1B in assets in IL (rank 20 of 151).
- Widest gap: efficiency ratio trails 69% of banks under $1B in assets in IL (rank 105 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 72 of 151
Net Interest Margin
4.15%
Rank 20 of 151
Efficiency Ratio
70.23%
Rank 105 of 151
Equity / Assets
12.61%
Rank 34 of 151
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 31% 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 | 1.06% | 0.70% | 1.03% | 1.34% | Beats 52% | 72 / 151 | | |
| Return on Equity | 8.37% | 6.74% | 9.34% | 12.94% | Beats 40% | 91 / 151 | | |
| Net Interest Margin | 4.15% | 3.02% | 3.43% | 3.83% | Beats 87% | 20 / 151 | | |
| Efficiency Ratio | 70.23% | 54.64% | 64.89% | 72.50% | Beats 31% | 105 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.20% | 0.66% | 1.77% | Beats 42% | 87 / 149 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 53% | 71 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 11.83% | 14.17% | 18.66% | Beats 41% | 89 / 151 | | |
| Total Risk-Based Capital Ratio | 13.13% | 12.22% | 14.54% | 19.92% | Beats 38% | 94 / 151 | | |
| Equity / Assets | 12.61% | 9.10% | 10.65% | 12.40% | Beats 77% | 34 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.94% | 54.39% | 71.02% | 80.75% | 48th pctl | 77 / 149 | | |
| Loans / Assets | 61.35% | 45.91% | 61.31% | 68.01% | 50th pctl | 75 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |