The First National Bank of Okawville: how it compares with its peers
Against 67 IL banks with half to twice its assets, The First National Bank of Okawville's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (2.98% vs. 3.74%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.55% | 0.96% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.98% | 3.74% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.39% | 69.21% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.1M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 35.68% | 58.44% | Context |
What it means for lending operations
Its efficiency ratio of 81.39% is above the 69.21% 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
- Farmers State Bank Elmwood, IL · $67M
- 1st Community Bank Sherrard, IL · $65M
- State Bank of Industry Industry, IL · $64M
- North County Savings Bank Red Bud, IL · $63M
- GN Bank Chicago, IL · $60M
Questions about The First National Bank of Okawville
How big is The First National Bank of Okawville?
The First National Bank of Okawville, established in 1920, is headquartered in Okawville, IL. It reported $66M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Okawville's return on assets?
0.55% annualized in Q2 2026, against a 0.96% median for 67 IL banks with half to twice its assets, ahead of 27% of them.
What is The First National Bank of Okawville's efficiency ratio?
81.39% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 69.21%, and lower is better.
Is The First National Bank of Okawville growing its loans?
Net loans grew 0.8% over the year to Q2 2026, while deposits grew 3.2%.
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.