First State Bank Shannon-Polo: how it compares with its peers
Against 139 IL banks with half to twice its assets, First State Bank Shannon-Polo's strongest measure in Q2 2026 is return on assets (0.94% vs. a 1.17% peer median). Its weakest relative measure is net interest margin (3.11% vs. 3.77%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.94% | 1.17% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.11% | 3.77% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.29% | 64.64% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.4M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.59% | 74.00% | Context |
What it means for lending operations
Its efficiency ratio of 69.29% is above the 64.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Jersey State Bank Jerseyville, IL · $190M
- First Federal Savings Bank of Champaign Urbana Champaign, IL · $193M
- The First National Bank in Tremont Tremont, IL · $188M
- Prairie Community Bank Marengo, IL · $188M
- The First National Bank of Raymond Raymond, IL · $187M
- Liberty Bank Liberty, IL · $194M
Questions about First State Bank Shannon-Polo
How big is First State Bank Shannon-Polo?
First State Bank Shannon-Polo, established in 1930, is headquartered in Shannon, IL. It reported $190M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First State Bank Shannon-Polo's return on assets?
0.94% annualized in Q2 2026, against a 1.17% median for 139 IL banks with half to twice its assets, ahead of 34% of them.
What is First State Bank Shannon-Polo's efficiency ratio?
69.29% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is First State Bank Shannon-Polo growing its loans?
Net loans grew 9.3% over the year to Q2 2026, while deposits shrank 0.8%.
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.