Litchfield National Bank, The
Litchfield, IL · Cert 3808 · Peer group: banks under $1B in assets in IL (n=146-148) · Litchfield Bancshares Co.
National charter · OCC · 2 branches
Q2 2026
$135.7MAssets
$82.7MLoans
$120.6MDeposits
$11.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 146).
- Widest gap: equity / assets trails 87% of banks under $1B in assets in IL (rank 129 of 148).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.77%
Rank 108 of 148
Net Interest Margin
2.97%
Rank 118 of 148
Efficiency Ratio
71.82%
Rank 111 of 148
Equity / Assets
8.07%
Rank 129 of 148
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 26% 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 | 0.77% | 0.74% | 1.04% | 1.35% | Beats 27% | 108 / 148 | | |
| Return on Equity | 9.52% | 6.82% | 9.34% | 12.94% | Beats 51% | 73 / 148 | | |
| Net Interest Margin | 2.97% | 3.04% | 3.45% | 3.85% | Beats 20% | 118 / 148 | | |
| Efficiency Ratio | 71.82% | 54.64% | 64.64% | 72.22% | Beats 26% | 111 / 148 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.20% | 0.66% | 1.77% | Beats 43% | 84 / 146 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 146 | | |
| Capital |
| Tier 1 Capital Ratio | 16.10% | 11.87% | 14.21% | 19.02% | Beats 64% | 53 / 148 | | |
| Total Risk-Based Capital Ratio | 17.24% | 12.22% | 14.72% | 19.93% | Beats 66% | 51 / 148 | | |
| Equity / Assets | 8.07% | 9.29% | 10.67% | 12.50% | Beats 13% | 129 / 148 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.59% | 54.39% | 71.02% | 80.75% | 43rd pctl | 83 / 146 | | |
| Loans / Assets | 60.97% | 46.03% | 61.31% | 68.01% | 49th pctl | 76 / 148 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |