Kinmundy Bank: how it compares with its peers
Against 84 IL banks with half to twice its assets, Kinmundy Bank's strongest measure in Q2 2026 is efficiency ratio (37.41% vs. a 66.57% peer median). Its weakest relative measure is assets per employee ($8.9M vs. $6.1M).
| Measure | Kinmundy Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.14% | 1.04% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.49% | 3.74% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.41% | 66.57% | Top third Ahead of 99% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.9M | $6.1M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.14% | 64.55% | Context |
What it means for lending operations
Its efficiency ratio of 37.41% is better than the 66.57% 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
- Beardstown Savings s.b. Beardstown, IL · $79M
- Washington State Bank Washington, IL · $79M
- The Atlanta National Bank Atlanta, IL · $81M
- The Bank of Bourbonnais Bourbonnais, IL · $82M
- First State Bank of Olmsted Olmsted, IL · $78M
- The First National Bank of Ava Ava, IL · $78M
Questions about Kinmundy Bank
How big is Kinmundy Bank?
Kinmundy Bank, established in 1902, is headquartered in Kinmundy, IL. It reported $80M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Kinmundy Bank's return on assets?
2.14% annualized in Q2 2026, against a 1.04% median for 84 IL banks with half to twice its assets, ahead of 96% of them.
What is Kinmundy Bank's efficiency ratio?
37.41% in Q2 2026: it spent about 37 cents in noninterest expense for each dollar of revenue. The peer median is 66.57%, and lower is better.
Is Kinmundy Bank growing its loans?
Net loans grew 7.7% over the year to Q2 2026, while deposits grew 16.9%.
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.