Campus State Bank: how it compares with its peers
Against 25 IL banks with half to twice its assets, Campus State Bank's strongest measure in Q2 2026 is net interest margin (5.06% vs. a 3.84% peer median). Its weakest relative measure is efficiency ratio (68.53% vs. 79.80%).
| Measure | Campus State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 0.71% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.06% | 3.84% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.53% | 79.80% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $5.4M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.13% | 53.90% | Context |
What it means for lending operations
Its efficiency ratio of 68.53% is better than the 79.80% 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
- The First National Bank of Assumption Assumption, IL · $25M
- Milford Building and Loan Association Milford, IL · $28M
- Citizens Bank of Edinburg Edinburg, IL · $29M
- Sainte Marie State Bank Sainte Marie, IL · $23M
- Peoples Bank of Macon Macon, IL · $23M
- First State Bank of St. Peter Saint Peter, IL · $30M
Questions about Campus State Bank
How big is Campus State Bank?
Campus State Bank, established in 1899, is headquartered in Campus, IL. It reported $26M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Campus State Bank's return on assets?
1.43% annualized in Q2 2026, against a 0.71% median for 25 IL banks with half to twice its assets, ahead of 76% of them.
What is Campus State Bank's efficiency ratio?
68.53% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 79.80%, and lower is better.
Is Campus State Bank growing its loans?
Net loans shrank 5.0% over the year to Q2 2026, while deposits grew 2.8%.
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.