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Bank of Rantoul

$100M-$1B Specialty: Agricultural IL FDIC cert 11711

Rantoul, IL

2 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 +10.0% year over year ($223.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.52%.
  • Efficiency ratio 52.74% vs a 64.48% peer average.
  • Loan-to-deposit ratio 42.26% 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) →

Bank of Rantoul has 4 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

  • + Credit Quality Leader: Top 28.5% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.20% above tier average
  • + Efficiency Ratio 11.74% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 34.1% in tier
  • - Margin Compression: Bottom 56.4% in tier
  • - Net Interest Margin 0.84% below tier average
Get updates when Bank of Rantoul releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $285.8M
+10.5% YoY +0.8% QoQ
-$100.8M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $94.4M
-0.5% YoY -6.2% QoQ
-$164.0M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $223.3M
+10.0% YoY -0.8% QoQ
-$103.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 1.52%
-20.9% YoY -21.3% QoQ
+0.20% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 3.14%
-7.3% YoY -0.1% QoQ
-0.84% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 14.3% in tier
Efficiency Ratio ? 52.74%
+28.8% YoY +30.0% QoQ
-11.74% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.00% -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 ? 42.26%
-9.5% YoY -5.4% QoQ
-35.69% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 4.8% in tier
Non-Interest-Bearing Deposit Share ? 14.68%
-9.1% YoY -0.1% QoQ
-7.35% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.00% -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 ? 10.75%
-2.8% YoY +0.3% QoQ
-5.16% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.11%
-8.6% YoY +73.1% QoQ
-0.46% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
21%

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 14.7%
-1.5pp YoY
0.0pp QoQ
 -7.5pp 22.1% 20.1% 22.2% 22%
Brokered Deposits 1.8%
-0.2pp YoY
0.0pp QoQ
 -6.0pp 7.9% 8.0% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 20.5%
-3.5pp YoY
-3.0pp QoQ
 +9.0pp 11.6% 14.7% 12.5% 89%
CRE 26.4%
-3.6pp YoY
-2.6pp QoQ
 -13.2pp 39.5% 37.9% 41.4% 29%
1-4 Family 2.6%
0.0pp YoY
+0.1pp QoQ
 -30.0pp 32.6% 28.3% 31.3% 3%
Consumer 1.7%
+0.1pp YoY
+0.2pp QoQ
 -2.4pp 4.1% 5.4% 5.0% 44%

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%
-0.3pp YoY
0.0pp QoQ
 -1.4pp 12.2% 12.2% 12.6% 45%
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 23
-3 (-11.5%) YoY
-3 (-11.5%) QoQ
 -36 58 228 482 15%
Assets per Employee ($) $12.4M
+25.0% YoY
+13.9% QoQ
 +$4.9M $7.5M $8.3M $8.8M 94%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

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) -0.0%
-0.7pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 15.7%
-5.3pp YoY
-4.2pp QoQ
 +3.5pp 12.2% 10.5% 11.6% 71%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 59%
Net Income ($, YTD) $2.1M
-14.0% YoY
— QoQ
 -$433K $2.6M $11.7M $40.4M 55%

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 (1)

Credit Quality Leader

growth
#189 of 659 • Top 28.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Cost Spiral

risk
#48 of 138 • Bottom 34.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 52.74%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#174 of 307 • Bottom 56.4% 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: 1.52%
(Tier: 1.32%, National: 1.30%)
better 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
129
Loan-to-Deposit Ratio
liquidity
Value: 42.26%
Peer Median: 77.95%
#129 of 2643 Top 4.8% in $100M-$1B
595
Efficiency Ratio
profitability
Value: 52.74%
Peer Median: 64.48%
#595 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (5 metrics)

2265
Net Interest Margin
profitability
Value: 3.14%
Peer Median: 3.99%
#2265 of 2643 Bottom 14.3% in $100M-$1B
2210
Total Loans
size
Value: $94.39M
Peer Median: $258.35M
#2210 of 2643 Bottom 16.4% in $100M-$1B
2122
Tier 1 Capital Ratio
capital
Value: 10.75%
Peer Median: 15.91%
#2122 of 2643 Bottom 19.8% in $100M-$1B
2095
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2095 of 2643 Bottom 20.8% in $100M-$1B
2038
Non-Interest-Bearing Deposit Share
funding
Value: 14.68%
Peer Median: 22.03%
#2038 of 2643 Bottom 22.9% in $100M-$1B
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