The Atlanta National Bank: how it compares with its peers
Against 83 IL banks with half to twice its assets, The Atlanta National Bank's strongest measure in Q2 2026 is net interest margin (3.58% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.1M).
| Measure | The Atlanta National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.56% | 1.07% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 3.74% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.25% | 66.30% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.1M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 50.73% | 65.44% | Context |
What it means for lending operations
Its efficiency ratio of 76.25% 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 Bank of Bourbonnais Bourbonnais, IL · $82M
- Kinmundy Bank Kinmundy, IL · $80M
- Beardstown Savings s.b. Beardstown, IL · $79M
- The First Bank and Trust Company of Murphysboro Murphysboro, IL · $83M
- Washington State Bank Washington, IL · $79M
- First State Bank of Olmsted Olmsted, IL · $78M
Questions about The Atlanta National Bank
How big is The Atlanta National Bank?
The Atlanta National Bank, established in 1887, is headquartered in Atlanta, IL. It reported $81M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Atlanta National Bank's return on assets?
0.56% annualized in Q2 2026, against a 1.07% median for 83 IL banks with half to twice its assets, ahead of 25% of them.
What is The Atlanta National Bank's efficiency ratio?
76.25% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 66.30%, and lower is better.
Is The Atlanta National Bank growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 5.9%.
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.