State Bank of Graymont: how it compares with its peers
Against 140 IL banks with half to twice its assets, State Bank of Graymont's strongest measure in Q2 2026 is efficiency ratio (61.27% vs. a 64.72% peer median). Its weakest relative measure is net interest margin (3.01% vs. 3.70%).
| Measure | State Bank of Graymont | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.00% | 1.16% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.01% | 3.70% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.27% | 64.72% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.8M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.78% | 75.45% | Context |
What it means for lending operations
Its efficiency ratio of 61.27% is better than the 64.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community Bank Winslow, IL · $311M
- Longview Community Bank Mount Pulaski, IL · $317M
- Hometown National Bank La Salle, IL · $307M
- Community State Bank of Rock Falls Rock Falls, IL · $318M
- 1NB Bank Carlyle, IL · $319M
- First Secure State Bank Wonder Lake, IL · $306M
Questions about State Bank of Graymont
How big is State Bank of Graymont?
State Bank of Graymont, established in 1913, is headquartered in Graymont, IL. It reported $313M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is State Bank of Graymont's return on assets?
1.00% annualized in Q2 2026, against a 1.16% median for 140 IL banks with half to twice its assets, ahead of 40% of them.
What is State Bank of Graymont's efficiency ratio?
61.27% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 64.72%, and lower is better.
Is State Bank of Graymont growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits shrank 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.