State Bank of Toulon: how it compares with its peers
Against 143 IL banks with half to twice its assets, State Bank of Toulon's strongest measure in Q2 2026 is efficiency ratio (57.22% vs. a 64.26% peer median). Its weakest relative measure is net interest margin (3.58% vs. 3.70%).
| Measure | State Bank of Toulon | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.14% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 3.70% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.22% | 64.26% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.8M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.91% | 75.57% | Context |
What it means for lending operations
Its efficiency ratio of 57.22% is better than the 64.26% 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
- Buena Vista National Bank Chester, IL · $344M
- Farmers State Bank of Alto Pass, Ill. Alto Pass, IL · $342M
- Farmers State Bank Pittsfield, IL · $340M
- Citizens National Bank of Albion Albion, IL · $349M
- The Bank of Herrin Herrin, IL · $349M
- The First Trust and Savings Bank of Watseka, Illinois Watseka, IL · $337M
Questions about State Bank of Toulon
How big is State Bank of Toulon?
State Bank of Toulon, established in 1903, is headquartered in Toulon, IL. It reported $343M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is State Bank of Toulon's return on assets?
1.39% annualized in Q2 2026, against a 1.14% median for 143 IL banks with half to twice its assets, ahead of 64% of them.
What is State Bank of Toulon's efficiency ratio?
57.22% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 64.26%, and lower is better.
Is State Bank of Toulon growing its loans?
Net loans grew 3.5% over the year to Q2 2026, while deposits grew 5.4%.
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.