Iroquois Federal Savings and Loan Association
Watseka, IL · Cert 29675 · Peer group: banks under $1B in assets in IL (n=150-152)
FDIC · 7 branches
Q4 2025
$830.4MAssets
$598.8MLoans
$654.9MDeposits
$81.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of banks under $1B in assets in IL (rank 54 of 150).
- Widest gap: brokered deposits / deposits trails 88% of banks under $1B in assets in IL (rank 133 of 150).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.63%
Rank 113 of 152
Net Interest Margin
2.65%
Rank 125 of 152
Efficiency Ratio
76.09%
Rank 117 of 152
Equity / Assets
9.83%
Rank 94 of 152
Non-interest income vs. expense
Unfavorable gap of $16.4M · efficiency ratio beats 24% 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 | 0.63% | 0.62% | 0.89% | 1.14% | Beats 26% | 113 / 152 | | |
| Return on Equity | 6.39% | 5.27% | 8.33% | 10.85% | Beats 33% | 102 / 152 | | |
| Net Interest Margin | 2.65% | 2.78% | 3.24% | 3.64% | Beats 18% | 125 / 152 | | |
| Efficiency Ratio | 76.09% | 58.20% | 64.67% | 75.78% | Beats 24% | 117 / 152 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.21% | 0.65% | 1.49% | Beats 65% | 54 / 150 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.90% | 11.52% | 13.76% | 18.48% | Beats 14% | 130 / 152 | | |
| Total Risk-Based Capital Ratio | 10.90% | 12.00% | 14.42% | 19.42% | Beats 12% | 134 / 152 | | |
| Equity / Assets | 9.83% | 8.94% | 10.50% | 12.36% | Beats 38% | 94 / 152 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.44% | 55.85% | 71.31% | 82.73% | 91st pctl | 13 / 150 | | |
| Loans / Assets | 72.11% | 47.53% | 62.43% | 69.94% | 83rd pctl | 26 / 150 | | |
| Brokered Deposits / Deposits | 3.80% | n/a | n/a | 0.61% | Beats 12% | 133 / 150 | | |