Eureka Savings Bank
La Salle, IL · Cert 28401 · Peer group: banks under $1B in assets in IL (n=149-151)
SI · FDIC · 5 branches
Q2 2026
$435.8MAssets
$270.6MLoans
$319.5MDeposits
$90.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in IL (rank 6 of 151).
- Widest gap: nonperforming loans / loans trails 88% of banks under $1B in assets in IL (rank 132 of 149).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.89%
Rank 93 of 151
Net Interest Margin
3.15%
Rank 105 of 151
Efficiency Ratio
56.76%
Rank 46 of 151
Equity / Assets
20.77%
Rank 6 of 151
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 70% 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 | 0.89% | 0.70% | 1.03% | 1.34% | Beats 38% | 93 / 151 | | |
| Return on Equity | 4.29% | 6.74% | 9.34% | 12.94% | Beats 13% | 132 / 151 | | |
| Net Interest Margin | 3.15% | 3.02% | 3.43% | 3.83% | Beats 30% | 105 / 151 | | |
| Efficiency Ratio | 56.76% | 54.64% | 64.89% | 72.50% | Beats 70% | 46 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.05% | 0.20% | 0.66% | 1.77% | Beats 12% | 132 / 149 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 64% | 55 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 38.19% | 11.83% | 14.17% | 18.66% | Beats 96% | 6 / 151 | | |
| Total Risk-Based Capital Ratio | 39.44% | 12.22% | 14.54% | 19.92% | Beats 96% | 6 / 151 | | |
| Equity / Assets | 20.77% | 9.10% | 10.65% | 12.40% | Beats 96% | 6 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.71% | 54.39% | 71.02% | 80.75% | 82nd pctl | 27 / 149 | | |
| Loans / Assets | 62.10% | 45.91% | 61.31% | 68.01% | 52nd pctl | 73 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |