Tompkins State Bank: how it compares with its peers
Against 138 IL banks with half to twice its assets, Tompkins State Bank's strongest measure in Q2 2026 is net interest margin (3.56% vs. a 3.70% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $6.8M).
| Measure | Tompkins State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.16% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.56% | 3.70% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.17% | 64.45% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.8M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.29% | 75.45% | Context |
What it means for lending operations
Its efficiency ratio of 69.17% is above the 64.45% 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
- Holcomb Bank Rochelle, IL · $305M
- First Secure State Bank Wonder Lake, IL · $306M
- Flanagan State Bank Flanagan, IL · $300M
- Hometown National Bank La Salle, IL · $307M
- Community Bank Winslow, IL · $311M
- State Bank Waterloo, IL · $296M
Questions about Tompkins State Bank
How big is Tompkins State Bank?
Tompkins State Bank, established in 1913, is headquartered in Avon, IL. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Tompkins State Bank's return on assets?
0.98% annualized in Q2 2026, against a 1.16% median for 138 IL banks with half to twice its assets, ahead of 38% of them.
What is Tompkins State Bank's efficiency ratio?
69.17% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.
Is Tompkins State Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 6.0%.
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.