Federated Bank: how it compares with its peers
Against 125 IL banks with half to twice its assets, Federated Bank's strongest measure in Q2 2026 is net interest margin (5.51% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $6.3M).
| Measure | Federated Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.12% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.51% | 3.77% | Top third Ahead of 99% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.92% | 65.38% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $6.3M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.78% | 70.67% | Context |
What it means for lending operations
Its efficiency ratio of 74.92% is above the 65.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank in Pinckneyville Pinckneyville, IL · $138M
- State Bank of Cherry Cherry, IL · $138M
- Streator Home Savings Bank Streator, IL · $137M
- National Bank of St. Anne St. Anne, IL · $143M
- Southern Illinois Bank Johnston City, IL · $136M
Questions about Federated Bank
How big is Federated Bank?
Federated Bank, established in 1918, is headquartered in Onarga, IL. It reported $140M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Federated Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.12% median for 125 IL banks with half to twice its assets, ahead of 58% of them.
What is Federated Bank's efficiency ratio?
74.92% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 65.38%, and lower is better.
Is Federated Bank growing its loans?
Net loans grew 37.5% over the year to Q2 2026, while deposits grew 13.2%.
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.