American Eagle Bank: how it compares with its peers
Against 117 IL banks with half to twice its assets, American Eagle Bank's strongest measure in Q2 2026 is assets per employee ($19.4M vs. a $7.2M peer median). Its weakest relative measure is efficiency ratio (110.80% vs. 62.50%).
| Measure | American Eagle Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.19% | 1.17% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.52% | 3.68% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 110.80% | 62.50% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $19.4M | $7.2M | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 121.64% | 77.47% | Context |
What it means for lending operations
Its efficiency ratio of 110.80% is above the 62.50% 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
- Sterling Federal Bank, F.S.B. Sterling, IL · $482M
- Hoyne Savings Bank Chicago, IL · $480M
- Solutions Bank Forreston, IL · $492M
- Casey State Bank Casey, IL · $497M
- The FNB Community Bank Vandalia, IL · $499M
- First National Bank in Olney Olney, IL · $469M
Questions about American Eagle Bank
How big is American Eagle Bank?
American Eagle Bank, established in 2002, is headquartered in South Elgin, IL. It reported $485M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is American Eagle Bank's return on assets?
-0.19% annualized in Q2 2026, against a 1.17% median for 117 IL banks with half to twice its assets, ahead of 3% of them.
What is American Eagle Bank's efficiency ratio?
110.80% in Q2 2026: it spent about 111 cents in noninterest expense for each dollar of revenue. The peer median is 62.50%, and lower is better.
Is American Eagle Bank growing its loans?
Net loans grew 11.1% over the year to Q2 2026, while deposits shrank 2.9%.
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.