Milledgeville State Bank: how it compares with its peers
Against 147 IL banks with half to twice its assets, Milledgeville State Bank's strongest measure in Q2 2026 is assets per employee ($17.9M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.08% vs. 3.72%).
| Measure | Milledgeville State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.80% | 1.17% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.08% | 3.72% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.64% | 64.80% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.9M | $6.5M | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.01% | 74.59% | Context |
What it means for lending operations
Its efficiency ratio of 51.64% 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
- Burling Bank Chicago, IL · $214M
- The Farmers State Bank and Trust Company Jacksonville, IL · $210M
- Peru Federal Savings Bank Peru, IL · $208M
- Ipava State Bank Lewistown, IL · $222M
- First FSB of Mascoutah Mascoutah, IL · $207M
- Spring Valley City Bank Spring Valley, IL · $207M
Questions about Milledgeville State Bank
How big is Milledgeville State Bank?
Milledgeville State Bank, established in 1942, is headquartered in Milledgeville, IL. It reported $215M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Milledgeville State Bank's return on assets?
0.80% annualized in Q2 2026, against a 1.17% median for 147 IL banks with half to twice its assets, ahead of 24% of them.
What is Milledgeville State Bank's efficiency ratio?
51.64% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is Milledgeville State Bank growing its loans?
Net loans grew 15.7% over the year to Q2 2026, while deposits grew 10.6%.
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.