State Bank of Davis
Davis, IL · Cert 5740 · Peer group: banks under $1B in assets in IL (n=154-156)
FDIC · 1 branch
Q1 2025
$171.4MAssets
$98.7MLoans
$150.7MDeposits
$15.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 61 of 154).
- Widest gap: net interest margin trails 85% of banks under $1B in assets in IL (rank 133 of 156).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.79%
Rank 94 of 156
Net Interest Margin
2.46%
Rank 133 of 156
Efficiency Ratio
64.11%
Rank 70 of 156
Equity / Assets
9.13%
Rank 93 of 156
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 56% 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 | 0.79% | 0.61% | 0.93% | 1.19% | Beats 40% | 94 / 156 | | |
| Return on Equity | 8.69% | 5.90% | 8.68% | 12.03% | Beats 51% | 77 / 156 | | |
| Net Interest Margin | 2.46% | 2.75% | 3.10% | 3.49% | Beats 15% | 133 / 156 | | |
| Efficiency Ratio | 64.11% | 58.94% | 67.23% | 77.57% | Beats 56% | 70 / 156 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.13% | 0.50% | 1.45% | Beats 40% | 93 / 154 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 61 / 154 | | |
| Capital |
| Tier 1 Capital Ratio | 11.51% | 11.30% | 13.66% | 19.18% | Beats 28% | 113 / 156 | | |
| Total Risk-Based Capital Ratio | 11.51% | 11.67% | 14.05% | 20.23% | Beats 22% | 121 / 156 | | |
| Equity / Assets | 9.13% | 8.34% | 9.63% | 11.92% | Beats 40% | 93 / 156 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.49% | 52.66% | 70.99% | 79.51% | 42nd pctl | 89 / 154 | | |
| Loans / Assets | 57.60% | 46.87% | 60.57% | 67.70% | 46th pctl | 83 / 154 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |