The Iuka State Bank: how it compares with its peers
Against 121 IL banks with half to twice its assets, The Iuka State Bank's strongest measure in Q2 2026 is net interest margin (4.75% vs. a 3.77% peer median). Its weakest relative measure is return on assets (0.08% vs. 1.12%).
| Measure | The Iuka State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.08% | 1.12% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.75% | 3.77% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.39% | 65.82% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $6.3M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.09% | 70.43% | Context |
What it means for lending operations
Its efficiency ratio of 74.39% is above the 65.82% 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
- First Community Bank of Hillsboro Hillsboro, IL · $133M
- Bank of Kampsville Kampsville, IL · $134M
- Rushville State Bank Rushville, IL · $135M
- The Litchfield National Bank Litchfield, IL · $136M
- Farmers State Bank & Trust Co. Mount Sterling, IL · $130M
- 1st Equity Bank Skokie, IL · $130M
Questions about The Iuka State Bank
How big is The Iuka State Bank?
The Iuka State Bank, established in 1910, is headquartered in Salem, IL. It reported $133M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Iuka State Bank's return on assets?
0.08% annualized in Q2 2026, against a 1.12% median for 121 IL banks with half to twice its assets, ahead of 6% of them.
What is The Iuka State Bank's efficiency ratio?
74.39% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 65.82%, and lower is better.
Is The Iuka State Bank growing its loans?
Net loans shrank 6.6% over the year to Q2 2026, while deposits grew 8.4%.
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.