Scott State Bank: how it compares with its peers
Against 142 IL banks with half to twice its assets, Scott State Bank's strongest measure in Q2 2026 is net interest margin (3.81% vs. a 3.73% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.5M).
| Measure | Scott State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.19% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.73% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.82% | 64.45% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.5M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.47% | 74.55% | Context |
What it means for lending operations
Its efficiency ratio of 70.82% is above the 64.45% 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
- First Community Bank and Trust Beecher, IL · $202M
- Murphy-Wall State Bank and Trust Company Pinckneyville, IL · $206M
- SmartBiz Bank, National Association Northbrook, IL · $201M
- FWBank Chicago, IL · $207M
- First National Bank in Taylorville Taylorville, IL · $200M
- Spring Valley City Bank Spring Valley, IL · $207M
Questions about Scott State Bank
How big is Scott State Bank?
Scott State Bank, established in 1887, is headquartered in Bethany, IL. It reported $204M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Scott State Bank's return on assets?
1.12% annualized in Q2 2026, against a 1.19% median for 142 IL banks with half to twice its assets, ahead of 45% of them.
What is Scott State Bank's efficiency ratio?
70.82% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.
Is Scott State Bank growing its loans?
Net loans shrank 1.6% over the year to Q2 2026, while deposits grew 0.9%.
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.