Country Trust Bank: how it compares with its peers
Against 46 IL banks with half to twice its assets, Country Trust Bank's strongest measure in Q2 2026 is return on assets (24.72% vs. a 0.74% peer median). Its weakest relative measure is assets per employee ($338K vs. $5.6M).
| Measure | Country Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 24.72% | 0.74% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 3.75% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.92% | 76.08% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $338K | $5.6M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 56.11% | Context |
What it means for lending operations
Its efficiency ratio of 83.92% is above the 76.08% 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
- North Side Federal Savings and Loan Association of Chicago Chicago, IL · $42M
- Community Bank of Easton Easton, IL · $43M
- Fairview State Banking Company Fairview, IL · $41M
- First State Bank of Van Orin Van Orin, IL · $40M
- Table Grove State Bank Table Grove, IL · $46M
- Farmers State Bank of Emden Emden, IL · $38M
Questions about Country Trust Bank
How big is Country Trust Bank?
Country Trust Bank, established in 2000, is headquartered in Bloomington, IL. It reported $42M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Country Trust Bank's return on assets?
24.72% annualized in Q2 2026, against a 0.74% median for 46 IL banks with half to twice its assets, ahead of 100% of them.
What is Country Trust Bank's efficiency ratio?
83.92% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 76.08%, and lower is better.
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.