Bankchampaign, National Association
Champaign, IL · Cert 22434 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Market Place Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
$242.8MAssets
$197.2MLoans
$193.3MDeposits
$29.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: tier 1 capital ratio trails 42% of banks under $1B in assets operating in a single state (rank 317 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.74%
Rank 101 of 746
Net Interest Margin
4.28%
Rank 153 of 746
Efficiency Ratio
58.94%
Rank 263 of 746
Equity / Assets
11.96%
Rank 244 of 746
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 65% 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 | 1.74% | 0.72% | 1.06% | 1.45% | Beats 86% | 101 / 746 | | |
| Return on Equity | 14.51% | 6.74% | 10.51% | 13.63% | Beats 80% | 146 / 746 | | |
| Net Interest Margin | 4.28% | 3.17% | 3.68% | 4.16% | Beats 79% | 153 / 746 | | |
| Efficiency Ratio | 58.94% | 55.74% | 64.58% | 75.47% | Beats 65% | 263 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.63% | 11.55% | 13.75% | 17.60% | Beats 58% | 317 / 746 | | |
| Total Risk-Based Capital Ratio | 15.89% | 11.71% | 14.33% | 18.43% | Beats 62% | 283 / 746 | | |
| Equity / Assets | 11.96% | 8.90% | 10.51% | 13.06% | Beats 67% | 244 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.02% | 61.31% | 78.27% | 90.78% | 92nd pctl | 59 / 746 | | |
| Loans / Assets | 81.19% | 53.60% | 66.97% | 76.08% | 88th pctl | 91 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |