The Litchfield National Bank: how it compares with its peers
Against 123 IL banks with half to twice its assets, The Litchfield National Bank's strongest measure in Q2 2026 is efficiency ratio (71.82% vs. a 65.77% peer median). Its weakest relative measure is net interest margin (3.11% vs. 3.81%).
| Measure | The Litchfield National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 1.12% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.11% | 3.81% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.82% | 65.77% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.3M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.87% | 70.67% | Context |
What it means for lending operations
Its efficiency ratio of 71.82% is above the 65.77% 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
- Southern Illinois Bank Johnston City, IL · $136M
- Rushville State Bank Rushville, IL · $135M
- Streator Home Savings Bank Streator, IL · $137M
- Bank of Kampsville Kampsville, IL · $134M
- State Bank of Cherry Cherry, IL · $138M
- First Community Bank of Hillsboro Hillsboro, IL · $133M
Questions about The Litchfield National Bank
How big is The Litchfield National Bank?
The Litchfield National Bank, established in 1907, is headquartered in Litchfield, IL. It reported $136M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Litchfield National Bank's return on assets?
0.75% annualized in Q2 2026, against a 1.12% median for 123 IL banks with half to twice its assets, ahead of 28% of them.
What is The Litchfield National Bank's efficiency ratio?
71.82% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 65.77%, and lower is better.
Is The Litchfield National Bank growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits grew 1.2%.
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.