Sainte Marie State Bank: how it compares with its peers
Against 22 IL banks with half to twice its assets, Sainte Marie State Bank's strongest measure in Q2 2026 is net interest margin (4.01% vs. a 3.79% peer median). Its weakest relative measure is return on assets (-0.74% vs. 0.82%).
| Measure | Sainte Marie State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.74% | 0.82% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 3.79% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 115.56% | 80.18% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.9M | $5.4M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 46.53% | 54.12% | Context |
What it means for lending operations
Its efficiency ratio of 115.56% is above the 80.18% 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
- Peoples Bank of Macon Macon, IL · $23M
- Chesterfield State Bank Chesterfield, IL · $22M
- The First National Bank of Assumption Assumption, IL · $25M
- Farmers State Bank of Medora Medora, IL · $20M
- Campus State Bank Campus, IL · $26M
- Hartsburg State Bank Hartsburg, IL · $18M
Questions about Sainte Marie State Bank
How big is Sainte Marie State Bank?
Sainte Marie State Bank, established in 1900, is headquartered in Sainte Marie, IL. It reported $23M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Sainte Marie State Bank's return on assets?
-0.74% annualized in Q2 2026, against a 0.82% median for 22 IL banks with half to twice its assets, ahead of 5% of them.
What is Sainte Marie State Bank's efficiency ratio?
115.56% in Q2 2026: it spent about 116 cents in noninterest expense for each dollar of revenue. The peer median is 80.18%, and lower is better.
Is Sainte Marie State Bank growing its loans?
Net loans grew 59.6% over the year to Q2 2026, while deposits grew 31.4%.
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.