Bank of Bourbonnais
Bourbonnais, IL · Cert 21635 · Peer group: banks under $1B in assets (n=581-629) · Illinois State Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
$81.6MAssets
$51.3MLoans
$70.9MDeposits
$9.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: return on equity trails 75% of banks under $1B in assets (rank 474 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.63%
Rank 466 of 629
Net Interest Margin
3.32%
Rank 386 of 629
Efficiency Ratio
74.17%
Rank 416 of 629
Equity / Assets
11.88%
Rank 237 of 629
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.60% | 1.01% | 1.45% | Beats 26% | 466 / 629 | |
| Return on Equity | 5.30% | 5.38% | 9.30% | 13.28% | Beats 25% | 474 / 629 | |
| Net Interest Margin | 3.32% | 3.03% | 3.54% | 4.05% | Beats 39% | 386 / 629 | |
| Efficiency Ratio | 74.17% | 58.35% | 67.79% | 79.08% | Beats 34% | 416 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 207 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 19.20% | 11.24% | 13.84% | 18.77% | Beats 76% | 150 / 629 | |
| Total Risk-Based Capital Ratio | 20.46% | 11.58% | 14.43% | 19.66% | Beats 77% | 144 / 629 | |
| Equity / Assets | 11.88% | 9.09% | 10.65% | 13.80% | Beats 62% | 237 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 72.28% | 67.24% | 80.90% | 93.48% | 34th pctl | 393 / 594 | |
| Loans / Assets | 62.83% | 53.31% | 67.71% | 78.15% | 40th pctl | 375 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |