1NB Bank: how it compares with its peers
Against 137 IL banks with half to twice its assets, 1NB Bank's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (3.38% vs. 3.70%).
| Measure | 1NB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.15% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.70% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.99% | 64.80% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $6.8M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.57% | 74.62% | Context |
What it means for lending operations
Its efficiency ratio of 52.99% is better than the 64.80% 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
- Community State Bank of Rock Falls Rock Falls, IL · $318M
- Longview Community Bank Mount Pulaski, IL · $317M
- Forest Park National Bank and Trust Company Forest Park, IL · $322M
- The First National Bank in Amboy Amboy, IL · $325M
- State Bank of Graymont Graymont, IL · $313M
- Community Bank Winslow, IL · $311M
Questions about 1NB Bank
How big is 1NB Bank?
1NB Bank, established in 1878, is headquartered in Carlyle, IL. It reported $319M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is 1NB Bank's return on assets?
1.08% annualized in Q2 2026, against a 1.15% median for 137 IL banks with half to twice its assets, ahead of 45% of them.
What is 1NB Bank's efficiency ratio?
52.99% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is 1NB Bank growing its loans?
Net loans grew 22.7% over the year to Q2 2026, while deposits grew 4.8%.
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.