The Bank of Bourbonnais: how it compares with its peers
Against 83 IL banks with half to twice its assets, The Bank of Bourbonnais's strongest measure in Q2 2026 is assets per employee ($10.2M vs. a $6.1M peer median). Its weakest relative measure is return on assets (0.65% vs. 1.07%).
| Measure | The Bank of Bourbonnais | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.65% | 1.07% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 3.74% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.17% | 66.30% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $6.1M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.90% | 64.71% | Context |
What it means for lending operations
Its efficiency ratio of 74.17% is above the 66.30% 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
- The Atlanta National Bank Atlanta, IL · $81M
- The First Bank and Trust Company of Murphysboro Murphysboro, IL · $83M
- Kinmundy Bank Kinmundy, IL · $80M
- Beardstown Savings s.b. Beardstown, IL · $79M
- Washington State Bank Washington, IL · $79M
- First State Bank of Olmsted Olmsted, IL · $78M
Questions about The Bank of Bourbonnais
How big is The Bank of Bourbonnais?
The Bank of Bourbonnais, established in 1974, is headquartered in Bourbonnais, IL. It reported $82M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Bank of Bourbonnais's return on assets?
0.65% annualized in Q2 2026, against a 1.07% median for 83 IL banks with half to twice its assets, ahead of 29% of them.
What is The Bank of Bourbonnais's efficiency ratio?
74.17% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 66.30%, and lower is better.
Is The Bank of Bourbonnais growing its loans?
Net loans shrank 2.6% over the year to Q2 2026, while deposits grew 3.2%.
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.