Bank of Calhoun County: how it compares with its peers
Against 103 IL banks with half to twice its assets, Bank of Calhoun County's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.46% vs. 3.74%).
| Measure | Bank of Calhoun County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 1.08% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 3.74% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.09% | 66.83% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.1M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.44% | 67.76% | Context |
What it means for lending operations
Its efficiency ratio of 61.09% is better than the 66.83% 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
- The Gerber State Bank Argenta, IL · $101M
- Mutual Federal Bank Chicago, IL · $97M
- The First National Bank of Lacon Lacon, IL · $104M
- Clay County State Bank Louisville, IL · $104M
- Williamsville State Bank & Trust Williamsville, IL · $94M
- Mason City National Bank Mason City, IL · $91M
Questions about Bank of Calhoun County
How big is Bank of Calhoun County?
Bank of Calhoun County, established in 1898, is headquartered in Hardin, IL. It reported $100M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Calhoun County's return on assets?
1.07% annualized in Q2 2026, against a 1.08% median for 103 IL banks with half to twice its assets, ahead of 50% of them.
What is Bank of Calhoun County's efficiency ratio?
61.09% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 66.83%, and lower is better.
Is Bank of Calhoun County growing its loans?
Net loans grew 11.2% over the year to Q2 2026, while deposits grew 4.1%.
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.