TrustBank: how it compares with its peers
Against 99 IL banks with half to twice its assets, TrustBank's strongest measure in Q2 2026 is return on assets (1.94% vs. a 1.18% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $7.4M).
| Measure | TrustBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 1.18% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.68% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.31% | 62.41% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $7.4M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.00% | 77.90% | Context |
What it means for lending operations
Its efficiency ratio of 61.31% is better than the 62.41% 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
- Bank & Trust Company Litchfield, IL · $641M
- Legence Bank Eldorado, IL · $643M
- Stillman BancCorp N.A. Stillman Valley, IL · $646M
- First Eagle Bank Chicago, IL · $650M
- Peoples Bank & Trust Pana, IL · $657M
- The First National Bank of Carmi Carmi, IL · $622M
Questions about TrustBank
How big is TrustBank?
TrustBank, established in 1912, is headquartered in Olney, IL. It reported $640M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is TrustBank's return on assets?
1.94% annualized in Q2 2026, against a 1.18% median for 99 IL banks with half to twice its assets, ahead of 90% of them.
What is TrustBank's efficiency ratio?
61.31% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 62.41%, and lower is better.
Is TrustBank growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits grew 10.0%.
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.