First State Bank of St. Peter: how it compares with its peers
Against 31 IL banks with half to twice its assets, First State Bank of St. Peter's strongest measure in Q2 2026 is efficiency ratio (49.31% vs. a 79.80% peer median). Its weakest relative measure is net interest margin (3.89% vs. 3.90%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 0.71% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.90% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.31% | 79.80% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $5.4M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 30.77% | 53.90% | Context |
What it means for lending operations
Its efficiency ratio of 49.31% 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
- Dewey Bank Dewey, IL · $30M
- Vermont State Bank Vermont, IL · $31M
- Citizens Bank of Edinburg Edinburg, IL · $29M
- Milford Building and Loan Association Milford, IL · $28M
- Campus State Bank Campus, IL · $26M
- The First State Bank of Dongola Dongola, IL · $35M
Questions about First State Bank of St. Peter
How big is First State Bank of St. Peter?
First State Bank of St. Peter, established in 1908, is headquartered in Saint Peter, IL. It reported $30M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First State Bank of St. Peter's return on assets?
1.71% annualized in Q2 2026, against a 0.71% median for 31 IL banks with half to twice its assets, ahead of 84% of them.
What is First State Bank of St. Peter's efficiency ratio?
49.31% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 79.80%, and lower is better.
Is First State Bank of St. Peter growing its loans?
Net loans shrank 5.9% over the year to Q2 2026, while deposits shrank 3.7%.
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.