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Du Quoin State Bank

$100M-$1B Specialty: Other IL FDIC cert 10804

Du Quoin, IL

5 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 +9.4% year over year ($136.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.92%.
  • Efficiency ratio 73.65% vs a 64.48% peer average.
  • Loan-to-deposit ratio 34.24% 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) →

Du Quoin State Bank has 2 strengths but faces 3 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 54.4% in tier
  • - Net Interest Margin 0.72% below tier average
  • - Efficiency Ratio 9.17% above tier average
Get updates when Du Quoin 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 ? $148.2M
+11.4% YoY +3.6% QoQ
-$238.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 13.5% in tier
Total Loans ? $46.7M
+8.6% YoY +0.7% QoQ
-$211.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 2.3% in tier
Total Deposits ? $136.3M
+9.4% YoY +2.4% QoQ
-$190.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 0.92%
-10.4% YoY -5.3% QoQ
-0.41% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 3.27%
-2.6% YoY +0.3% QoQ
-0.72% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
18%
Efficiency Ratio ? 73.65%
+1.5% YoY +1.6% QoQ
+9.17% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 34.24%
-0.8% YoY -1.7% QoQ
-43.71% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 2.5% in tier
Non-Interest-Bearing Deposit Share ? 18.99%
-11.8% YoY -7.5% QoQ
-3.04% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 25.11%
+1.4% YoY +3.3% QoQ
+9.20% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 6.7% in tier
Non-Interest Income / Assets ? 0.19%
-33.5% YoY +81.9% QoQ
-0.38% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
45%

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 19.0%
-2.5pp YoY
-1.5pp QoQ
 -3.2pp 22.1% 20.1% 22.2% 40%
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 7.6%
-1.2pp YoY
-0.2pp QoQ
 -4.0pp 11.6% 14.7% 12.5% 37%
CRE 40.1%
+4.8pp YoY
 +0.5pp 39.5% 37.9% 41.4% 53%
1-4 Family 44.4%
-1.4pp YoY
+2.9pp QoQ
 +11.8pp 32.6% 28.3% 31.3% 76%
Consumer 6.5%
-0.9pp YoY
-0.7pp QoQ
 +2.4pp 4.1% 5.4% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 25.1%
+0.3pp YoY
+0.8pp QoQ
 +6.3pp 18.8% 19.9% 19.7% 89%
Leverage Ratio 10.8%
-0.2pp YoY
-0.1pp QoQ
 -1.4pp 12.2% 12.2% 12.6% 46%
Total Capital Ratio 26.2%
+0.4pp YoY
+0.8pp QoQ
 +6.3pp 19.9% 20.9% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 21
+1 (+5.0%) YoY
+2 (+10.5%) QoQ
 -38 58 228 482 12%
Assets per Employee ($) $7.1M
+6.1% YoY
-6.3% QoQ
 -$459K $7.5M $8.3M $8.8M 53%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

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 n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 5.62x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 24.9%
-31.7pp YoY
-2.9pp QoQ
 +12.7pp 12.2% 10.5% 11.6% 96%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 45%
Net Income ($, YTD) $657,000
-5.1% YoY
— QoQ
 -$1.9M $2.6M $11.7M $40.4M 15%

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 (1)

Margin Compression

decline
#168 of 307 • Bottom 54.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.92%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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 (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
66
Loan-to-Deposit Ratio
liquidity
Value: 34.24%
Peer Median: 77.95%
#66 of 2643 Top 2.5% in $100M-$1B
179
Tier 1 Capital Ratio
capital
Value: 25.11%
Peer Median: 15.91%
#179 of 2643 Top 6.7% in $100M-$1B

Top Weaknesses (5 metrics)

2582
Total Loans
size
Value: $46.68M
Peer Median: $258.35M
#2582 of 2643 Bottom 2.3% in $100M-$1B
2286
Total Assets
size
Value: $148.25M
Peer Median: $386.57M
#2286 of 2643 Bottom 13.5% in $100M-$1B
2190
Total Deposits
size
Value: $136.32M
Peer Median: $326.73M
#2190 of 2643 Bottom 17.2% in $100M-$1B
2160
Net Interest Margin
profitability
Value: 3.27%
Peer Median: 3.99%
#2160 of 2643 Bottom 18.3% in $100M-$1B
2048
Efficiency Ratio
profitability
Value: 73.65%
Peer Median: 64.48%
#2048 of 2643 Bottom 22.6% in $100M-$1B
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