Apple River State Bank: how it compares with its peers
Against 94 IL banks with half to twice its assets, Apple River State Bank's strongest measure in Q2 2026 is assets per employee ($10.7M vs. a $7.5M peer median). Its weakest relative measure is net interest margin (3.27% vs. 3.68%).
| Measure | Apple River State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.57% | 1.18% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 3.68% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.91% | 62.07% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $7.5M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.91% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 53.91% is better than the 62.07% 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
- Constitution Bank, National Association Hillsboro, IL · $683M
- MidAmerica National Bank Canton, IL · $685M
- BankOrion Orion, IL · $688M
- Peoples Bank & Trust Pana, IL · $657M
- First Eagle Bank Chicago, IL · $650M
- Stillman BancCorp N.A. Stillman Valley, IL · $646M
Questions about Apple River State Bank
How big is Apple River State Bank?
Apple River State Bank, established in 1948, is headquartered in Apple River, IL. It reported $675M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Apple River State Bank's return on assets?
1.57% annualized in Q2 2026, against a 1.18% median for 94 IL banks with half to twice its assets, ahead of 74% of them.
What is Apple River State Bank's efficiency ratio?
53.91% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 62.07%, and lower is better.
Is Apple River State Bank growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 6.5%.
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.