Illini State Bank: how it compares with its peers
Against 135 IL banks with half to twice its assets, Illini State Bank's strongest measure in Q2 2026 is efficiency ratio (51.91% vs. a 65.02% peer median). Its weakest relative measure is net interest margin (3.20% vs. 3.74%).
| Measure | Illini State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.13% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.20% | 3.74% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.91% | 65.02% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $6.3M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.51% | 71.79% | Context |
What it means for lending operations
Its efficiency ratio of 51.91% is better than the 65.02% 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
- DeWitt Savings Bank Clinton, IL · $173M
- Waterman Bank Waterman, IL · $174M
- Iroquois Farmers State Bank Iroquois, IL · $174M
- Central State Bank Clayton, IL · $175M
- Farmers State Bank of Western Illinois Alpha, IL · $167M
- North Central Bank Hennepin, IL · $166M
Questions about Illini State Bank
How big is Illini State Bank?
Illini State Bank, established in 1914, is headquartered in Oglesby, IL. It reported $172M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Illini State Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.13% median for 135 IL banks with half to twice its assets, ahead of 59% of them.
What is Illini State Bank's efficiency ratio?
51.91% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 65.02%, and lower is better.
Is Illini State Bank growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits shrank 2.4%.
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.