North Adams State Bank
Ursa, IL · Cert 23244 · Peer group: banks under $1B in assets in IL (n=154-156)
FDIC · 2 branches
Q1 2025
$45.5MAssets
$21.9MLoans
$39.3MDeposits
$5.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 61 of 154).
- Widest gap: return on equity trails 62% of banks under $1B in assets in IL (rank 97 of 156).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.01%
Rank 61 of 156
Net Interest Margin
3.28%
Rank 55 of 156
Efficiency Ratio
62.03%
Rank 55 of 156
Equity / Assets
13.01%
Rank 24 of 156
Non-interest income vs. expense
Unfavorable gap of $880K · efficiency ratio beats 65% 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 | 1.01% | 0.61% | 0.93% | 1.19% | Beats 61% | 61 / 156 | | |
| Return on Equity | 7.78% | 5.90% | 8.68% | 12.03% | Beats 38% | 97 / 156 | | |
| Net Interest Margin | 3.28% | 2.75% | 3.10% | 3.49% | Beats 65% | 55 / 156 | | |
| Efficiency Ratio | 62.03% | 58.94% | 67.23% | 77.57% | Beats 65% | 55 / 156 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.13% | 0.50% | 1.45% | Beats 63% | 58 / 154 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 61 / 154 | | |
| Capital |
| Tier 1 Capital Ratio | 14.36% | 11.30% | 13.66% | 19.18% | Beats 53% | 73 / 156 | | |
| Total Risk-Based Capital Ratio | 14.36% | 11.67% | 14.05% | 20.23% | Beats 51% | 76 / 156 | | |
| Equity / Assets | 13.01% | 8.34% | 9.63% | 11.92% | Beats 85% | 24 / 156 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.85% | 52.66% | 70.99% | 79.51% | 27th pctl | 112 / 154 | | |
| Loans / Assets | 48.26% | 46.87% | 60.57% | 67.70% | 27th pctl | 113 / 154 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |