The State Bank of Geneva: how it compares with its peers
Against 114 IL banks with half to twice its assets, The State Bank of Geneva's strongest measure in Q2 2026 is net interest margin (3.44% vs. a 3.76% peer median). Its weakest relative measure is efficiency ratio (84.72% vs. 66.57%).
| Measure | The State Bank of Geneva | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 1.07% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 3.76% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.72% | 66.57% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.2M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.12% | 68.03% | Context |
What it means for lending operations
Its efficiency ratio of 84.72% is above the 66.57% 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
- Collinsville Building and Loan Association Collinsville, IL · $118M
- The First National Bank of Sparta Sparta, IL · $115M
- The Granville National Bank Granville, IL · $118M
- American Metro Bank Chicago, IL · $119M
- Exchange State Bank Lanark, IL · $113M
- First Community Bank of Moultrie County Sullivan, IL · $120M
Questions about The State Bank of Geneva
How big is The State Bank of Geneva?
The State Bank of Geneva, established in 1903, is headquartered in Geneva, IL. It reported $116M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The State Bank of Geneva's return on assets?
0.68% annualized in Q2 2026, against a 1.07% median for 114 IL banks with half to twice its assets, ahead of 27% of them.
What is The State Bank of Geneva's efficiency ratio?
84.72% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 66.57%, and lower is better.
Is The State Bank of Geneva growing its loans?
Net loans grew 10.2% over the year to Q2 2026, while deposits shrank 1.9%.
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.