Iroquois Farmers State Bank: how it compares with its peers
Against 136 IL banks with half to twice its assets, Iroquois Farmers State Bank's strongest measure in Q2 2026 is return on assets (1.61% vs. a 1.14% peer median). Its weakest relative measure is net interest margin (3.96% vs. 3.74%).
| Measure | Iroquois Farmers State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.14% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.74% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.24% | 64.95% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $6.4M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.79% | 72.51% | Context |
What it means for lending operations
Its efficiency ratio of 54.24% is better than the 64.95% 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
- Central State Bank Clayton, IL · $175M
- Waterman Bank Waterman, IL · $174M
- DeWitt Savings Bank Clinton, IL · $173M
- Illini State Bank Oglesby, IL · $172M
- United Trust Bank Palos Heights, IL · $178M
- State Bank of Whittington Benton, IL · $180M
Questions about Iroquois Farmers State Bank
How big is Iroquois Farmers State Bank?
Iroquois Farmers State Bank, established in 1919, is headquartered in Iroquois, IL. It reported $174M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Iroquois Farmers State Bank's return on assets?
1.61% annualized in Q2 2026, against a 1.14% median for 136 IL banks with half to twice its assets, ahead of 83% of them.
What is Iroquois Farmers State Bank's efficiency ratio?
54.24% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 64.95%, and lower is better.
Is Iroquois Farmers State Bank growing its loans?
Net loans grew 10.9% over the year to Q2 2026, while deposits grew 4.9%.
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.