State Bank of Whittington
Benton, IL · Cert 19689 · Peer group: banks under $1B in assets in IL (n=149-151) · Whittington Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$180.1MAssets
$121.8MLoans
$159.7MDeposits
$19.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets in IL (rank 141 of 149).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.95%
Rank 89 of 151
Net Interest Margin
4.14%
Rank 21 of 151
Efficiency Ratio
65.38%
Rank 81 of 151
Equity / Assets
10.61%
Rank 78 of 151
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 47% 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 | 0.95% | 0.70% | 1.03% | 1.34% | Beats 41% | 89 / 151 | | |
| Return on Equity | 8.99% | 6.74% | 9.34% | 12.94% | Beats 48% | 79 / 151 | | |
| Net Interest Margin | 4.14% | 3.02% | 3.43% | 3.83% | Beats 86% | 21 / 151 | | |
| Efficiency Ratio | 65.38% | 54.64% | 64.89% | 72.50% | Beats 47% | 81 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.43% | 0.20% | 0.66% | 1.77% | Beats 6% | 141 / 149 | | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.02% | 0.07% | Beats 11% | 133 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 15.98% | 11.83% | 14.17% | 18.66% | Beats 64% | 54 / 151 | | |
| Total Risk-Based Capital Ratio | 17.08% | 12.22% | 14.54% | 19.92% | Beats 66% | 52 / 151 | | |
| Equity / Assets | 10.61% | 9.10% | 10.65% | 12.40% | Beats 48% | 78 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.24% | 54.39% | 71.02% | 80.75% | 63rd pctl | 55 / 149 | | |
| Loans / Assets | 67.60% | 45.91% | 61.31% | 68.01% | 73rd pctl | 41 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |