Community Bank of Elmhurst: how it compares with its peers
Against 141 IL banks with half to twice its assets, Community Bank of Elmhurst's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $6.4M peer median). Its weakest relative measure is efficiency ratio (78.76% vs. 64.34%).
| Measure | Community Bank of Elmhurst | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.18% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 3.73% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.76% | 64.34% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.4M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.85% | 74.00% | Context |
What it means for lending operations
Its efficiency ratio of 78.76% is above the 64.34% 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
- Great Rivers Bank Barry, IL · $195M
- Central Federal Savings and Loan Association Cicero, IL · $195M
- Liberty Bank Liberty, IL · $194M
- Frederick Community Bank, The Paxton, IL · $196M
- First Federal Savings Bank of Champaign Urbana Champaign, IL · $193M
- Vermilion Valley Bank Piper City, IL · $198M
Questions about Community Bank of Elmhurst
How big is Community Bank of Elmhurst?
Community Bank of Elmhurst, established in 1993, is headquartered in Elmhurst, IL. It reported $194M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Community Bank of Elmhurst's return on assets?
0.67% annualized in Q2 2026, against a 1.18% median for 141 IL banks with half to twice its assets, ahead of 17% of them.
What is Community Bank of Elmhurst's efficiency ratio?
78.76% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 64.34%, and lower is better.
Is Community Bank of Elmhurst growing its loans?
Net loans grew 10.0% 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.