Scott State Bank
Bethany, IL · Cert 8491 · Peer group: banks under $1B in assets in IL (n=149-151) · Scott Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$203.5MAssets
$117.8MLoans
$178.0MDeposits
$23.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of banks under $1B in assets in IL (rank 45 of 149).
- Widest gap: efficiency ratio trails 71% of banks under $1B in assets in IL (rank 108 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 94 of 151
Net Interest Margin
3.53%
Rank 61 of 151
Efficiency Ratio
70.82%
Rank 108 of 151
Equity / Assets
11.72%
Rank 49 of 151
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 29% 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 | 0.89% | 0.70% | 1.03% | 1.34% | Beats 38% | 94 / 151 | |
| Return on Equity | 7.57% | 6.74% | 9.34% | 12.94% | Beats 33% | 101 / 151 | |
| Net Interest Margin | 3.53% | 3.02% | 3.43% | 3.83% | Beats 60% | 61 / 151 | |
| Efficiency Ratio | 70.82% | 54.64% | 64.89% | 72.50% | Beats 29% | 108 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.20% | 0.66% | 1.77% | Beats 70% | 45 / 149 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.07% | Beats 36% | 96 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 13.67% | 11.83% | 14.17% | 18.66% | Beats 45% | 83 / 151 | |
| Total Risk-Based Capital Ratio | 13.67% | 12.22% | 14.54% | 19.92% | Beats 42% | 88 / 151 | |
| Equity / Assets | 11.72% | 9.10% | 10.65% | 12.40% | Beats 68% | 49 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 66.18% | 54.39% | 71.02% | 80.75% | 40th pctl | 89 / 149 | |
| Loans / Assets | 57.87% | 45.91% | 61.31% | 68.01% | 44th pctl | 84 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |