Stillman BancCorp N.A.: how it compares with its peers
Against 98 IL banks with half to twice its assets, Stillman BancCorp N.A.'s strongest measure in Q2 2026 is return on assets (0.79% vs. a 1.20% peer median). Its weakest relative measure is net interest margin (2.78% vs. 3.68%).
| Measure | Stillman BancCorp N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.79% | 1.20% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.78% | 3.68% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.67% | 61.67% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $7.5M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.60% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 75.67% is above the 61.67% 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
- Legence Bank Eldorado, IL · $643M
- First Eagle Bank Chicago, IL · $650M
- Bank & Trust Company Litchfield, IL · $641M
- TrustBank Olney, IL · $640M
- Peoples Bank & Trust Pana, IL · $657M
- The First National Bank of Carmi Carmi, IL · $622M
Questions about Stillman BancCorp N.A.
How big is Stillman BancCorp N.A.?
Stillman BancCorp N.A., established in 1882, is headquartered in Stillman Valley, IL. It reported $646M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Stillman BancCorp N.A.'s return on assets?
0.79% annualized in Q2 2026, against a 1.20% median for 98 IL banks with half to twice its assets, ahead of 22% of them.
What is Stillman BancCorp N.A.'s efficiency ratio?
75.67% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 61.67%, and lower is better.
Is Stillman BancCorp N.A. growing its loans?
Net loans grew 18.0% over the year to Q2 2026, while deposits grew 4.4%.
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.