Villa Grove State Bank
Villa Grove, IL · Cert 9273 · Peer group: banks under $1B in assets in IL (n=149-151) · Villa Grove Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$85.9MAssets
$55.7MLoans
$74.7MDeposits
$10.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
- Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in IL (rank 114 of 151).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.40%
Rank 34 of 151
Net Interest Margin
3.76%
Rank 41 of 151
Efficiency Ratio
54.45%
Rank 36 of 151
Equity / Assets
12.52%
Rank 36 of 151
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 77% 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 | 1.40% | 0.70% | 1.03% | 1.34% | Beats 77% | 34 / 151 | |
| Return on Equity | 11.16% | 6.74% | 9.34% | 12.94% | Beats 65% | 53 / 151 | |
| Net Interest Margin | 3.76% | 3.02% | 3.43% | 3.83% | Beats 73% | 41 / 151 | |
| Efficiency Ratio | 54.45% | 54.64% | 64.89% | 72.50% | Beats 77% | 36 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 12.22% | 11.83% | 14.17% | 18.66% | Beats 31% | 104 / 151 | |
| Total Risk-Based Capital Ratio | 12.22% | 12.22% | 14.54% | 19.92% | Beats 25% | 114 / 151 | |
| Equity / Assets | 12.52% | 9.10% | 10.65% | 12.40% | Beats 76% | 36 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 74.50% | 54.39% | 71.02% | 80.75% | 58th pctl | 63 / 149 | |
| Loans / Assets | 64.83% | 45.91% | 61.31% | 68.01% | 59th pctl | 62 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |