The First National Bank of Assumption: how it compares with its peers
Against 24 IL banks with half to twice its assets, The First National Bank of Assumption's strongest measure in Q2 2026 is efficiency ratio (65.38% vs. a 80.18% peer median). Its weakest relative measure is net interest margin (3.55% vs. 3.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 0.68% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.89% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.38% | 80.18% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $5.4M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 29.00% | 54.12% | Context |
What it means for lending operations
Its efficiency ratio of 65.38% is better than the 80.18% 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
- Campus State Bank Campus, IL · $26M
- Sainte Marie State Bank Sainte Marie, IL · $23M
- Peoples Bank of Macon Macon, IL · $23M
- Milford Building and Loan Association Milford, IL · $28M
- Chesterfield State Bank Chesterfield, IL · $22M
- Citizens Bank of Edinburg Edinburg, IL · $29M
Questions about The First National Bank of Assumption
How big is The First National Bank of Assumption?
The First National Bank of Assumption, established in 1900, is headquartered in Assumption, IL. It reported $25M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Assumption's return on assets?
1.06% annualized in Q2 2026, against a 0.68% median for 24 IL banks with half to twice its assets, ahead of 67% of them.
What is The First National Bank of Assumption's efficiency ratio?
65.38% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 80.18%, and lower is better.
Is The First National Bank of Assumption growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits shrank 0.7%.
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.