First FSB of Mascoutah: how it compares with its peers
Against 144 IL banks with half to twice its assets, First FSB of Mascoutah's strongest measure in Q2 2026 is assets per employee ($10.9M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (2.90% vs. 3.73%).
| Measure | First FSB of Mascoutah | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.85% | 1.19% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.90% | 3.73% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.23% | 64.85% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.9M | $6.5M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.31% | 73.91% | Context |
What it means for lending operations
Its efficiency ratio of 58.23% is better than the 64.85% 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
- Spring Valley City Bank Spring Valley, IL · $207M
- FWBank Chicago, IL · $207M
- Murphy-Wall State Bank and Trust Company Pinckneyville, IL · $206M
- Peru Federal Savings Bank Peru, IL · $208M
- The Farmers State Bank and Trust Company Jacksonville, IL · $210M
- Scott State Bank Bethany, IL · $204M
Questions about First FSB of Mascoutah
How big is First FSB of Mascoutah?
First FSB of Mascoutah, established in 1913, is headquartered in Mascoutah, IL. It reported $207M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First FSB of Mascoutah's return on assets?
0.85% annualized in Q2 2026, against a 1.19% median for 144 IL banks with half to twice its assets, ahead of 27% of them.
What is First FSB of Mascoutah's efficiency ratio?
58.23% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 64.85%, and lower is better.
Is First FSB of Mascoutah growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits grew 4.7%.
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.