Kinmundy Bank
Kinmundy, IL · Cert 3805 · Peer group: banks under $1B in assets in IL (n=149-151) · South Central Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$80.1MAssets
$50.9MLoans
$69.0MDeposits
$10.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in IL (rank 1 of 151).
- Widest gap: net charge-offs / loans trails 77% of banks under $1B in assets in IL (rank 115 of 149).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.04%
Rank 6 of 151
Net Interest Margin
4.25%
Rank 17 of 151
Efficiency Ratio
37.41%
Rank 1 of 151
Equity / Assets
13.64%
Rank 26 of 151
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 100% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.04% | 0.70% | 1.03% | 1.34% | Beats 96% | 6 / 151 | |
| Return on Equity | 14.98% | 6.74% | 9.34% | 12.94% | Beats 87% | 20 / 151 | |
| Net Interest Margin | 4.25% | 3.02% | 3.43% | 3.83% | Beats 89% | 17 / 151 | |
| Efficiency Ratio | 37.41% | 54.64% | 64.89% | 72.50% | Beats 100% | 1 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.20% | 0.66% | 1.77% | Beats 50% | 76 / 149 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.02% | 0.07% | Beats 23% | 115 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 21.50% | 11.83% | 14.17% | 18.66% | Beats 83% | 25 / 151 | |
| Total Risk-Based Capital Ratio | 22.36% | 12.22% | 14.54% | 19.92% | Beats 84% | 24 / 151 | |
| Equity / Assets | 13.64% | 9.10% | 10.65% | 12.40% | Beats 83% | 26 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 73.72% | 54.39% | 71.02% | 80.75% | 56th pctl | 65 / 149 | |
| Loans / Assets | 63.53% | 45.91% | 61.31% | 68.01% | 54th pctl | 69 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |