Du Quoin State Bank: how it compares with its peers
Against 126 IL banks with half to twice its assets, Du Quoin State Bank's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (3.27% vs. 3.78%).
| Measure | Du Quoin State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.14% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 3.78% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.65% | 65.00% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.3M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 34.24% | 70.92% | Context |
What it means for lending operations
Its efficiency ratio of 73.65% is above the 65.00% 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
- Heritage Bank of Schaumburg Schaumburg, IL · $150M
- The First National Bank of Litchfield Litchfield, IL · $150M
- Union Federal Savings and Loan Association Kewanee, IL · $146M
- First Security Bank Mackinaw, IL · $151M
- National Bank of St. Anne St. Anne, IL · $143M
- Federated Bank Onarga, IL · $140M
Questions about Du Quoin State Bank
How big is Du Quoin State Bank?
Du Quoin State Bank, established in 1915, is headquartered in Du Quoin, IL. It reported $148M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Du Quoin State Bank's return on assets?
0.92% annualized in Q2 2026, against a 1.14% median for 126 IL banks with half to twice its assets, ahead of 36% of them.
What is Du Quoin State Bank's efficiency ratio?
73.65% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 65.00%, and lower is better.
Is Du Quoin State Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 9.4%.
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.