Hill-Dodge Banking Company
Warsaw, IL · Cert 9274 · Peer group: banks under $1B in assets in IL (n=150-152)
FDIC · 1 branch
Q3 2025
$62.6MAssets
$22.7MLoans
$52.6MDeposits
$9.8MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in IL (rank 106 of 150).
- Widest gap: net charge-offs / loans trails 47% of banks under $1B in assets in IL (rank 71 of 150).
- Overall: at or above the peer median on 10 of 10 directional measures.
Return on Assets
1.61%
Rank 13 of 152
Net Interest Margin
3.45%
Rank 47 of 152
Efficiency Ratio
44.95%
Rank 7 of 152
Equity / Assets
15.70%
Rank 12 of 152
Non-interest income vs. expense
Unfavorable gap of $0.8M · efficiency ratio beats 96% 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 | 1.61% | 0.63% | 0.93% | 1.16% | Beats 91% | 13 / 152 | |
| Return on Equity | 10.28% | 5.72% | 8.35% | 11.29% | Beats 69% | 47 / 152 | |
| Net Interest Margin | 3.45% | 2.78% | 3.21% | 3.66% | Beats 69% | 47 / 152 | |
| Efficiency Ratio | 44.95% | 57.23% | 65.22% | 74.09% | Beats 96% | 7 / 152 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.20% | 0.59% | 1.68% | Beats 90% | 16 / 150 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.03% | 0.11% | Beats 53% | 71 / 150 | |
| Capital |
| Tier 1 Capital Ratio | 16.15% | 11.61% | 14.19% | 18.83% | Beats 65% | 53 / 152 | |
| Total Risk-Based Capital Ratio | 16.15% | 12.06% | 14.71% | 19.91% | Beats 59% | 62 / 152 | |
| Equity / Assets | 15.70% | 8.95% | 10.37% | 12.59% | Beats 92% | 12 / 152 | |
| Liquidity & Funding |
| Loans / Deposits | 43.13% | 52.67% | 71.43% | 81.45% | 8th pctl | 138 / 150 | |
| Loans / Assets | 36.25% | 45.72% | 61.98% | 69.13% | 7th pctl | 139 / 150 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 0.79% | Beats 100% | 106 / 150 | |