Prairie Community Bank
Marengo, IL · Cert 34526 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Marengo Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$187.5MAssets
$134.4MLoans
$170.9MDeposits
$15.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 58% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 57).
- Widest gap: equity / assets trails 93% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 53 of 57).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.72%
Rank 34 of 57
Net Interest Margin
3.78%
Rank 24 of 57
Efficiency Ratio
79.95%
Rank 39 of 57
Equity / Assets
8.17%
Rank 53 of 57
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 33% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.51% | 0.84% | 1.19% | Beats 40% | 34 / 57 | |
| Return on Equity | 8.80% | 3.13% | 7.76% | 11.40% | Beats 58% | 24 / 57 | |
| Net Interest Margin | 3.78% | 3.16% | 3.63% | 4.08% | Beats 58% | 24 / 57 | |
| Efficiency Ratio | 79.95% | 59.57% | 69.70% | 81.06% | Beats 33% | 39 / 57 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.82% | 0.06% | 0.34% | 1.78% | Beats 14% | 49 / 56 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 36% | 37 / 56 | |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 12.24% | 16.06% | 19.69% | Beats 23% | 44 / 57 | |
| Total Risk-Based Capital Ratio | 13.26% | 12.54% | 16.50% | 20.95% | Beats 33% | 38 / 57 | |
| Equity / Assets | 8.17% | 9.37% | 11.56% | 15.00% | Beats 7% | 53 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 78.66% | 66.29% | 85.59% | 95.16% | 39th pctl | 35 / 57 | |
| Loans / Assets | 71.68% | 57.07% | 71.07% | 78.13% | 51st pctl | 28 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |