Old Exchange National Bank of Okawville, The
Okawville, IL · Cert 3827 · Peer group: banks under $1B in assets in IL (n=149-151) · Okawville Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
$91.3MAssets
$38.9MLoans
$80.1MDeposits
$7.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
- Widest gap: net interest margin trails 95% of banks under $1B in assets in IL (rank 143 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.92%
Rank 91 of 151
Net Interest Margin
2.54%
Rank 143 of 151
Efficiency Ratio
55.42%
Rank 41 of 151
Equity / Assets
8.47%
Rank 120 of 151
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 74% 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 | 0.92% | 0.70% | 1.03% | 1.34% | Beats 40% | 91 / 151 | | |
| Return on Equity | 10.90% | 6.74% | 9.34% | 12.94% | Beats 64% | 54 / 151 | | |
| Net Interest Margin | 2.54% | 3.02% | 3.43% | 3.83% | Beats 5% | 143 / 151 | | |
| Efficiency Ratio | 55.42% | 54.64% | 64.89% | 72.50% | Beats 74% | 41 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.20% | 0.66% | 1.77% | Beats 77% | 35 / 149 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.07% | Beats 30% | 106 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 22.27% | 11.83% | 14.17% | 18.66% | Beats 86% | 21 / 151 | | |
| Total Risk-Based Capital Ratio | 23.15% | 12.22% | 14.54% | 19.92% | Beats 86% | 21 / 151 | | |
| Equity / Assets | 8.47% | 9.10% | 10.65% | 12.40% | Beats 21% | 120 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 48.55% | 54.39% | 71.02% | 80.75% | 13th pctl | 130 / 149 | | |
| Loans / Assets | 42.59% | 45.91% | 61.31% | 68.01% | 14th pctl | 130 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |