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State Bank of Toulon

$100M-$1B Specialty: Agricultural IL FDIC cert 12386

Toulon, 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 +5.4% year over year ($298.6M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 1.39%.
  • Efficiency ratio 57.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.91% 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) →

State Bank of Toulon has 3 strengths 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

  • + ROA 0.07% above tier average
  • + Efficiency Ratio 7.26% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 7.8% in tier
  • - Credit Quality Pressure: Bottom 14.0% in tier
  • - Non-Interest-Bearing Deposit Share 14.95% below tier average
  • - Net Interest Margin 0.41% below tier average
Get updates when State Bank of Toulon releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $343.4M
+6.4% YoY +3.1% QoQ
-$43.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $220.7M
+3.5% YoY -0.7% QoQ
-$37.6M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $298.6M
+5.4% YoY +3.5% QoQ
-$28.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 1.39%
+10.1% YoY +2.4% QoQ
+0.07% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 3.58%
+9.0% YoY +1.3% QoQ
-0.41% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 57.22%
-3.7% YoY -2.8% QoQ
-7.26% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.13%
+90.7% YoY -17.1% QoQ
-0.79% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 73.91%
-1.8% YoY -4.0% QoQ
-4.04% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 7.08%
+7.6% YoY +4.5% QoQ
-14.95% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 5.9% in tier
Nonperforming Asset Ratio ? 0.09%
+70.6% YoY -20.2% QoQ
-0.58% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 12.45%
+0.5% YoY +1.1% QoQ
-3.46% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.12%
-13.1% YoY +129.9% QoQ
-0.45% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
26%

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 7.1%
+0.5pp YoY
+0.3pp QoQ
 -15.1pp 22.1% 20.1% 22.2% 5%
Brokered Deposits 0.7%
+0.3pp YoY
 -7.2pp 7.9% 8.0% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 19.0%
-1.3pp YoY
-0.5pp QoQ
 +7.4pp 11.6% 14.7% 12.5% 86%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 6.3%
+0.2pp YoY
+0.1pp QoQ
 -26.3pp 32.6% 28.3% 31.3% 6%
Consumer 1.3%
-0.2pp YoY
0.0pp QoQ
 -2.8pp 4.1% 5.4% 5.0% 36%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 12.4%
+0.1pp YoY
+0.1pp QoQ
 -6.4pp 18.8% 19.9% 19.7% 22%
Leverage Ratio 10.5%
+0.2pp YoY
+0.1pp QoQ
 -1.7pp 12.2% 12.2% 12.6% 40%
Total Capital Ratio 13.1%
+0.1pp YoY
+0.1pp QoQ
 -6.8pp 19.9% 20.9% 20.8% 17%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 46
-3 (-6.1%) YoY
-1 (-2.1%) QoQ
 -13 58 228 482 48%
Assets per Employee ($) $7.5M
+13.3% YoY
+5.4% QoQ
 -$53K $7.5M $8.3M $8.8M 60%
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 0.0% -0.3pp 0.3% 0.4% 0.4% 15%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 21%
Allowance Coverage 6.51x
-45.6% YoY
+24.2% QoQ
 -17.64x 24.15x 5.62x 20.23x 75%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 68%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 14.2%
-0.2pp YoY
+0.4pp QoQ
 +2.0pp 12.2% 10.5% 11.6% 63%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 56%
Net Income ($, YTD) $2.3M
+15.4% YoY
— QoQ
 -$227K $2.6M $11.7M $40.4M 59%

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)

Credit Risk Growth

risk
#74 of 936 • Bottom 7.8% 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

Credit Quality Pressure

risk
#177 of 1256 • Bottom 14.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (1 metrics)

2488
Non-Interest-Bearing Deposit Share
funding
Value: 7.08%
Peer Median: 22.03%
#2488 of 2643 Bottom 5.9% in $100M-$1B
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