Anchor State Bank: how it compares with its peers
Against 78 IL banks with half to twice its assets, Anchor State Bank's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $6.1M peer median). Its weakest relative measure is efficiency ratio (77.60% vs. 66.94%).
| Measure | Anchor State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.01% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 3.74% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.60% | 66.94% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.1M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.27% | 63.54% | Context |
What it means for lending operations
Its efficiency ratio of 77.60% is above the 66.94% 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
- The State Bank of Pearl City Pearl City, IL · $73M
- Marseilles Bank Marseilles, IL · $78M
- The First National Bank of Ava Ava, IL · $78M
- First State Bank of Olmsted Olmsted, IL · $78M
Questions about Anchor State Bank
How big is Anchor State Bank?
Anchor State Bank, established in 1920, is headquartered in Anchor, IL. It reported $73M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Anchor State Bank's return on assets?
0.96% annualized in Q2 2026, against a 1.01% median for 78 IL banks with half to twice its assets, ahead of 49% of them.
What is Anchor State Bank's efficiency ratio?
77.60% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 66.94%, and lower is better.
Is Anchor State Bank growing its loans?
Net loans shrank 4.5% over the year to Q2 2026, while deposits grew 27.1%.
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.