Central Bank Illinois: how it compares with its peers
Against 45 IL banks with half to twice its assets, Central Bank Illinois's strongest measure in Q2 2026 is efficiency ratio (50.71% vs. a 62.07% peer median). Its weakest relative measure is return on assets (0.98% vs. 1.28%).
| Measure | Central Bank Illinois | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.28% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 3.62% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.71% | 62.07% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $8.0M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.34% | 82.18% | Context |
What it means for lending operations
Its efficiency ratio of 50.71% is better than the 62.07% 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
- Dieterich Bank Effingham, IL · $1.55B
- Providence Bank & Trust South Holland, IL · $1.56B
- First State Bank Mendota, IL · $1.56B
- Amalgamated Bank of Chicago Chicago, IL · $1.33B
- First Bankers Trust Company, National Association Quincy, IL · $1.22B
- Servbank, National Association Oswego, IL · $1.70B
Questions about Central Bank Illinois
How big is Central Bank Illinois?
Central Bank Illinois, established in 1907, is headquartered in Geneseo, IL. It reported $1.46B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Central Bank Illinois's return on assets?
0.98% annualized in Q2 2026, against a 1.28% median for 45 IL banks with half to twice its assets, ahead of 29% of them.
What is Central Bank Illinois's efficiency ratio?
50.71% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 62.07%, and lower is better.
Is Central Bank Illinois growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 10.2%.
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.