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Raritan State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 10438

Raritan, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.2% year over year ($223.6M on the books).
  • Delinquency rate 1.69%.
  • Return on assets 1.06%.
  • Efficiency ratio 59.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Raritan State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 4.97% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 33.3% in tier
  • - Credit Risk Growth: Bottom 40.4% in tier
  • - ROA 0.26% below tier average
  • - Net Interest Margin 0.43% below tier average
Get updates when Raritan State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $253.9M
+1.7% YoY -0.6% QoQ
-$132.7M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $188.0M
+9.5% YoY +1.4% QoQ
-$70.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $223.6M
+1.2% YoY -0.7% QoQ
-$103.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 1.06%
+12.9% YoY +8.5% QoQ
-0.26% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 3.56%
+14.4% YoY +8.0% QoQ
-0.43% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 59.51%
+4.1% YoY -2.5% QoQ
-4.97% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 1.69%
+4.6% YoY -14.3% QoQ
+0.77% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 84.06%
+8.3% YoY +2.1% QoQ
+6.11% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 14.53%
-1.4% YoY -10.3% QoQ
-7.50% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 1.36%
+23.0% YoY -13.5% QoQ
+0.70% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 13.9% in tier
Tier 1 Capital Ratio ? 10.78%
-3.4% YoY -5.8% QoQ
-5.13% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.10%
+0.3% YoY +102.8% QoQ
-0.47% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 14.5%
-0.2pp YoY
-1.7pp QoQ
 -7.6pp 22.1% 20.1% 22.2% 22%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 16.7%
+0.1pp YoY
+0.2pp QoQ
 +5.2pp 11.6% 14.7% 12.5% 81%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 35.5%
-0.3pp YoY
+0.6pp QoQ
 +2.9pp 32.6% 28.3% 31.3% 63%
Consumer 7.4%
-0.3pp YoY
-0.1pp QoQ
 +3.3pp 4.1% 5.4% 5.0% 87%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 10.8%
-0.4pp YoY
-0.7pp QoQ
 -1.4pp 12.2% 12.2% 12.6% 46%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 40
+7 (+21.2%) YoY
+5 (+14.3%) QoQ
 -19 58 228 482 41%
Assets per Employee ($) $6.3M
-16.1% YoY
-13.0% QoQ
 -$1.2M $7.5M $8.3M $8.8M 40%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.7%
+0.2pp YoY
-0.3pp QoQ
 +0.8pp 0.9% 1.1% 1.0% 84%
Allowance Coverage 0.55x
-7.4% YoY
+7.4% QoQ
 -23.60x 24.15x 5.62x 20.23x 12%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 9.5%
+0.3pp YoY
+0.7pp QoQ
 -2.7pp 12.2% 10.5% 11.6% 34%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 69%
Net Income ($, YTD) $1.3M
+14.8% YoY
— QoQ
 -$1.2M $2.6M $11.7M $40.4M 37%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#221 of 661 • Bottom 33.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.78%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Risk Growth

risk
#379 of 936 • Bottom 40.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2277
Nonperforming Asset Ratio
credit_quality
Value: 1.36%
Peer Median: 0.67%
#2277 of 2643 Bottom 13.9% in $100M-$1B
2202
Delinquency Rate
credit_quality
Value: 1.69%
Peer Median: 0.92%
#2202 of 2633 Bottom 16.4% in $100M-$1B
2163
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2163 of 2643 Bottom 18.2% in $100M-$1B
2114
Tier 1 Capital Ratio
capital
Value: 10.78%
Peer Median: 15.91%
#2114 of 2643 Bottom 20.1% in $100M-$1B
2055
Non-Interest-Bearing Deposit Share
funding
Value: 14.53%
Peer Median: 22.03%
#2055 of 2643 Bottom 22.3% in $100M-$1B
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