The First State Bank of Dongola: how it compares with its peers
Against 36 IL banks with half to twice its assets, The First State Bank of Dongola's strongest measure in Q2 2026 is net interest margin (4.24% vs. a 3.79% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $5.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 0.77% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.24% | 3.79% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.80% | 79.44% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $5.5M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.34% | 53.90% | Context |
What it means for lending operations
Its efficiency ratio of 79.80% is above the 79.44% 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
- Citizens Bank of Chatsworth Chatsworth, IL · $36M
- State Bank of Nauvoo Nauvoo, IL · $38M
- Farmers State Bank of Emden Emden, IL · $38M
- Vermont State Bank Vermont, IL · $31M
- Dewey Bank Dewey, IL · $30M
- First State Bank of St. Peter Saint Peter, IL · $30M
Questions about The First State Bank of Dongola
How big is The First State Bank of Dongola?
The First State Bank of Dongola, established in 1906, is headquartered in Dongola, IL. It reported $35M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First State Bank of Dongola's return on assets?
0.93% annualized in Q2 2026, against a 0.77% median for 36 IL banks with half to twice its assets, ahead of 53% of them.
What is The First State Bank of Dongola's efficiency ratio?
79.80% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 79.44%, and lower is better.
Is The First State Bank of Dongola growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 8.0%.
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.