Stillman Banccorp, N.A.
Stillman Valley, IL · Cert 9263 · Peer group: banks under $1B in assets in IL (n=149-151) · Stillman Banccorp Inc.
National charter · OCC · 6 branches
Q2 2026
$645.6MAssets
$303.2MLoans
$570.9MDeposits
$49.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 82% of banks under $1B in assets in IL (rank 28 of 149).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in IL (rank 139 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.62%
Rank 122 of 151
Net Interest Margin
2.61%
Rank 139 of 151
Efficiency Ratio
75.67%
Rank 117 of 151
Equity / Assets
7.70%
Rank 136 of 151
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 23% 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 | 0.62% | 0.70% | 1.03% | 1.34% | Beats 19% | 122 / 151 | | |
| Return on Equity | 8.07% | 6.74% | 9.34% | 12.94% | Beats 38% | 94 / 151 | | |
| Net Interest Margin | 2.61% | 3.02% | 3.43% | 3.83% | Beats 8% | 139 / 151 | | |
| Efficiency Ratio | 75.67% | 54.64% | 64.89% | 72.50% | Beats 23% | 117 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.20% | 0.66% | 1.77% | Beats 51% | 74 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 82% | 28 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 18.29% | 11.83% | 14.17% | 18.66% | Beats 72% | 42 / 151 | | |
| Total Risk-Based Capital Ratio | 19.22% | 12.22% | 14.54% | 19.92% | Beats 73% | 41 / 151 | | |
| Equity / Assets | 7.70% | 9.10% | 10.65% | 12.40% | Beats 10% | 136 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.10% | 54.39% | 71.02% | 80.75% | 22nd pctl | 116 / 149 | | |
| Loans / Assets | 46.95% | 45.91% | 61.31% | 68.01% | 28th pctl | 109 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |