Community National Bank in Monmouth: how it compares with its peers
Against 55 IL banks with half to twice its assets, Community National Bank in Monmouth's strongest measure in Q2 2026 is net interest margin (4.35% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 0.93% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 3.74% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.23% | 72.50% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.0M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.85% | 54.51% | Context |
What it means for lending operations
Its efficiency ratio of 70.23% is better than the 72.50% 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
- First Community Bank, Xenia-Flora Xenia, IL · $56M
- Citizens State Bank of Milford Milford, IL · $57M
- Camp Grove State Bank Camp Grove, IL · $53M
- The First National Bank of Brownstown Brownstown, IL · $57M
- Farmers & Merchants Bank of Hutsonville Hutsonville, IL · $52M
- GN Bank Chicago, IL · $60M
Questions about Community National Bank in Monmouth
How big is Community National Bank in Monmouth?
Community National Bank in Monmouth, established in 1964, is headquartered in Monmouth, IL. It reported $55M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community National Bank in Monmouth's return on assets?
1.08% annualized in Q2 2026, against a 0.93% median for 55 IL banks with half to twice its assets, ahead of 60% of them.
What is Community National Bank in Monmouth's efficiency ratio?
70.23% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 72.50%, and lower is better.
Is Community National Bank in Monmouth growing its loans?
Net loans grew 2.0% over the year to Q2 2026, while deposits grew 0.0%.
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.