The First National Bank of Sparta: how it compares with its peers
Against 112 IL banks with half to twice its assets, The First National Bank of Sparta's strongest measure in Q2 2026 is return on assets (1.95% vs. a 1.06% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.95% | 1.06% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 3.74% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.48% | 66.71% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.2M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.68% | 68.03% | Context |
What it means for lending operations
Its efficiency ratio of 62.48% is better than the 66.71% 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
- The State Bank of Geneva Geneva, IL · $116M
- Exchange State Bank Lanark, IL · $113M
- First State Bank of Beecher City Beecher City, IL · $112M
- Central Savings, f.s.b. Chicago, IL · $112M
- Collinsville Building and Loan Association Collinsville, IL · $118M
Questions about The First National Bank of Sparta
How big is The First National Bank of Sparta?
The First National Bank of Sparta, established in 1885, is headquartered in Sparta, IL. It reported $115M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Sparta's return on assets?
1.95% annualized in Q2 2026, against a 1.06% median for 112 IL banks with half to twice its assets, ahead of 95% of them.
What is The First National Bank of Sparta's efficiency ratio?
62.48% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 66.71%, and lower is better.
Is The First National Bank of Sparta growing its loans?
Net loans grew 12.4% over the year to Q2 2026, while deposits grew 9.2%.
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.