First National Bank in Pinckneyville: how it compares with its peers
Against 123 IL banks with half to twice its assets, First National Bank in Pinckneyville's strongest measure in Q2 2026 is net interest margin (4.04% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $6.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.12% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.77% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.65% | 65.82% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.3M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.57% | 70.67% | Context |
What it means for lending operations
Its efficiency ratio of 61.65% is better than the 65.82% 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
- State Bank of Cherry Cherry, IL · $138M
- Streator Home Savings Bank Streator, IL · $137M
- Federated Bank Onarga, IL · $140M
- Southern Illinois Bank Johnston City, IL · $136M
- The Litchfield National Bank Litchfield, IL · $136M
Questions about First National Bank in Pinckneyville
How big is First National Bank in Pinckneyville?
First National Bank in Pinckneyville, established in 1901, is headquartered in Pinckneyville, IL. It reported $138M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First National Bank in Pinckneyville's return on assets?
1.21% annualized in Q2 2026, against a 1.12% median for 123 IL banks with half to twice its assets, ahead of 60% of them.
What is First National Bank in Pinckneyville's efficiency ratio?
61.65% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 65.82%, and lower is better.
Is First National Bank in Pinckneyville growing its loans?
Net loans grew 15.2% over the year to Q2 2026, while deposits shrank 1.0%.
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.