Villa Grove State Bank: how it compares with its peers
Against 82 IL banks with half to twice its assets, Villa Grove State Bank's strongest measure in Q2 2026 is return on assets (1.75% vs. a 1.07% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.2M).
| Measure | Villa Grove State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.75% | 1.07% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 3.74% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.45% | 66.35% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.2M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.33% | 63.57% | Context |
What it means for lending operations
Its efficiency ratio of 54.45% is better than the 66.35% 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
- Farmers and Merchants State Bank of Bushnell Bushnell, IL · $86M
- Bank of Stronghurst Stronghurst, IL · $88M
- The First Bank and Trust Company of Murphysboro Murphysboro, IL · $83M
- Bank of Yates City Yates City, IL · $89M
- The Bank of Bourbonnais Bourbonnais, IL · $82M
- The Atlanta National Bank Atlanta, IL · $81M
Questions about Villa Grove State Bank
How big is Villa Grove State Bank?
Villa Grove State Bank, established in 1919, is headquartered in Villa Grove, IL. It reported $86M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Villa Grove State Bank's return on assets?
1.75% annualized in Q2 2026, against a 1.07% median for 82 IL banks with half to twice its assets, ahead of 90% of them.
What is Villa Grove State Bank's efficiency ratio?
54.45% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 66.35%, and lower is better.
Is Villa Grove State Bank growing its loans?
Net loans shrank 2.2% over the year to Q2 2026, while deposits grew 4.9%.
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.