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The Iuka State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 11317

Salem, IL

4 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 +8.4% year over year ($112.6M on the books).
  • Delinquency rate 8.23%.
  • Return on assets 0.08%.
  • Efficiency ratio 74.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.09% 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) →

The Iuka State Bank has 1 strength but faces 6 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

  • + Net Interest Margin 0.77% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.2% in tier
  • - Capital Thin: Bottom 2.3% in tier
  • - Return on Assets 1.25% below tier average
  • - Delinquency Rate 7.31% above tier average
  • - Nonperforming Asset Ratio 6.23% above tier average
  • - Efficiency Ratio 9.91% above tier average
Get updates when The Iuka 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 ? $133.0M
-6.6% YoY -2.3% QoQ
-$253.6M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 8.8% in tier
Total Loans ? $105.9M
-6.6% YoY -5.9% QoQ
-$152.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $112.6M
+8.4% YoY -2.8% QoQ
-$214.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 9.5% in tier
Return on Assets ? 0.08%
-93.4% YoY -91.0% QoQ
-1.25% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 4.0% in tier
Net Interest Margin ? 4.75%
-3.8% YoY +6.2% QoQ
+0.77% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Top 12.8% in tier
Efficiency Ratio ? 74.39%
+13.4% YoY -2.9% QoQ
+9.91% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 8.23%
+57.5% YoY +2.5% QoQ
+7.31% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 0.5% in tier
Loan-to-Deposit Ratio ? 94.09%
-13.8% YoY -3.2% QoQ
+16.13% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 17.58%
-7.4% YoY -5.5% QoQ
-4.45% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 6.90%
+42.3% YoY +3.0% QoQ
+6.23% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 0.3% in tier
Tier 1 Capital Ratio ? 10.25%
-4.8% YoY +3.0% QoQ
-5.66% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 13.5% in tier
Non-Interest Income / Assets ? 0.19%
+17.8% YoY +99.3% QoQ
-0.38% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
46%

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 17.6%
-1.4pp YoY
-1.0pp QoQ
 -4.6pp 22.1% 20.1% 22.2% 34%
Brokered Deposits 20.2%
+17.3pp YoY
+4.9pp QoQ
 +12.3pp 7.9% 8.0% 8.5% 91%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 43.8%
+8.9pp YoY
+2.4pp QoQ
 +32.2pp 11.6% 14.7% 12.5% 99%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 9.1%
-1.2pp YoY
+0.2pp QoQ
 -23.5pp 32.6% 28.3% 31.3% 10%
Consumer 10.9%
-3.0pp YoY
-0.2pp QoQ
 +6.8pp 4.1% 5.4% 5.0% 93%

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 10.3%
-0.5pp YoY
+0.3pp QoQ
 -1.9pp 12.2% 12.2% 12.6% 36%
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 31
0 YoY
0 QoQ
 -28 58 228 482 28%
Assets per Employee ($) $4.3M
-6.6% YoY
-2.3% QoQ
 -$3.2M $7.5M $8.3M $8.8M 7%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

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 8.2%
+5.8pp YoY
+0.8pp QoQ
 +7.3pp 0.9% 1.1% 1.0% 100%
Allowance Coverage 0.38x
+4.1% YoY
+3.7% QoQ
 -23.77x 24.15x 5.62x 20.23x 6%
Net Charge-off Rate (YTD) 1.8%
+1.4pp YoY
+0.8pp QoQ
 +1.6pp 0.1% 0.1% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 0.8%
-11.3pp YoY
-8.3pp QoQ
 -11.4pp 12.2% 10.5% 11.6% 4%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 83%
Net Income ($, YTD) $52,000
-93.6% YoY
— QoQ
 -$2.5M $2.6M $11.7M $40.4M 4%

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)

Liquidity Strain

risk
#16 of 691 • Bottom 2.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk
#16 of 661 • Bottom 2.3% 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: 10.25%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (1 metrics)

339
Net Interest Margin
profitability
Value: 4.75%
Peer Median: 3.99%
#339 of 2643 Top 12.8% in $100M-$1B

Top Weaknesses (9 metrics)

2635
Nonperforming Asset Ratio
credit_quality
Value: 6.90%
Peer Median: 0.67%
#2635 of 2643 Bottom 0.3% in $100M-$1B
2620
Delinquency Rate
credit_quality
Value: 8.23%
Peer Median: 0.92%
#2620 of 2633 Bottom 0.5% in $100M-$1B
2537
Return on Assets
profitability
Value: 0.08%
Peer Median: 1.32%
#2537 of 2643 Bottom 4.0% in $100M-$1B
2411
Total Assets
size
Value: $133.02M
Peer Median: $386.57M
#2411 of 2643 Bottom 8.8% in $100M-$1B
2394
Total Deposits
size
Value: $112.58M
Peer Median: $326.73M
#2394 of 2643 Bottom 9.5% in $100M-$1B
2286
Tier 1 Capital Ratio
capital
Value: 10.25%
Peer Median: 15.91%
#2286 of 2643 Bottom 13.5% in $100M-$1B
2173
Loan-to-Deposit Ratio
liquidity
Value: 94.09%
Peer Median: 77.95%
#2173 of 2643 Bottom 17.8% in $100M-$1B
2096
Total Loans
size
Value: $105.92M
Peer Median: $258.35M
#2096 of 2643 Bottom 20.7% in $100M-$1B
2079
Efficiency Ratio
profitability
Value: 74.39%
Peer Median: 64.48%
#2079 of 2643 Bottom 21.4% in $100M-$1B
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