PackageTrendsPeer
Letter portraitLegal landscape

State Bank of Geneva, The

Geneva, IL · Cert 925 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Geneva Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$116.2MAssets
$80.9MLoans
$102.9MDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: efficiency ratio trails 79% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 46 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.56%

Rank 39 of 57

Net Interest Margin

3.29%

Rank 37 of 57

Efficiency Ratio

84.72%

Rank 46 of 57

Equity / Assets

11.10%

Rank 33 of 57

Non-interest income vs. expense

$1.4M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 21% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 84.72%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.56%0.51%0.84%1.19%Beats 32%39 / 57
Return on Equity5.02%3.13%7.76%11.40%Beats 39%35 / 57
Net Interest Margin3.29%3.16%3.63%4.08%Beats 35%37 / 57
Efficiency Ratio84.72%59.57%69.70%81.06%Beats 21%46 / 57
Asset Quality
Nonperforming Loans / Loans0.16%0.06%0.34%1.78%Beats 61%23 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio17.47%12.24%16.06%19.69%Beats 56%25 / 57
Total Risk-Based Capital Ratio18.73%12.54%16.50%20.95%Beats 60%23 / 57
Equity / Assets11.10%9.37%11.56%15.00%Beats 42%33 / 57
Liquidity & Funding
Loans / Deposits78.64%66.29%85.59%95.16%37th pctl36 / 57
Loans / Assets69.66%57.07%71.07%78.13%44th pctl32 / 57
Brokered Deposits / Depositsn/aNot reported for this institution