Constitution Bank, National Association: how it compares with its peers
Against 93 IL banks with half to twice its assets, Constitution Bank, National Association's strongest measure in Q2 2026 is efficiency ratio (53.57% vs. a 61.74% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $7.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.19% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.66% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.57% | 61.74% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.5M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.43% | 77.88% | Context |
What it means for lending operations
Its efficiency ratio of 53.57% is better than the 61.74% 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
- MidAmerica National Bank Canton, IL · $685M
- BankOrion Orion, IL · $688M
- Apple River State Bank Apple River, IL · $675M
- Peoples Bank & Trust Pana, IL · $657M
- Time Bank Park Ridge, IL · $713M
- Prospect Bank Paris, IL · $716M
Questions about Constitution Bank, National Association
How big is Constitution Bank, National Association?
Constitution Bank, National Association, established in 1945, is headquartered in Hillsboro, IL. It reported $683M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Constitution Bank, National Association's return on assets?
1.13% annualized in Q2 2026, against a 1.19% median for 93 IL banks with half to twice its assets, ahead of 45% of them.
What is Constitution Bank, National Association's efficiency ratio?
53.57% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 61.74%, and lower is better.
Is Constitution Bank, National Association growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 3.4%.
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.