Efficiency Ratio2024Q4

Updated: 2024-12-31
ILLINOIS·2024-12-31·Banks: 350

State Rankings & Insights

See how banks across ILLINOIS rank on Efficiency Ratio for 2024Q4. Values are reported in percentage terms as of 2024-12-31. Browse the table below or jump directly to an institution’s call‑report profile.

  • Average: 71.17%
  • Median: 68.69%
  • Min / Max: -100.00%164.98%
Count
350
Sum
24909.42%
Avg
71.17%
Median
68.69%
Min
-100.00%
Max
164.98%
BankCityEfficiency Ratio
LEMONT NATIONAL BANKLEMONT164.98%
MUTUAL FEDERAL BANKCHICAGO164.68%
COMMUNITY SAVINGS BANKCHICAGO155.40%
MIDLAND FS&LABRIDGEVIEW131.46%
SAINTE MARIE STATE BANKSAINTE MARIE130.65%
CENTRAL SAVINGS FSBCHICAGO126.54%
NORTH COUNTY SAVINGS BANKRED BUD126.25%
OAKDALE STATE BANKOAKDALE125.59%
FARMERS&MERCHANTS BK HUTSONVHUTSONVILLE125.49%
HARTSBURG STATE BANKHARTSBURG121.88%
FIRST SB OF HEGEWISCHCHICAGO119.76%
STREATOR HOME SAVINGS BANKSTREATOR118.48%
MIDWEST NATIONAL BANKSANDOVAL113.92%
PRINCEVILLE STATE BANKPRINCEVILLE113.82%
CENTRAL FS&LACICERO113.31%
FARMERS STATE BANK OF MEDORAMEDORA113.10%
GRAND RIVERS COMMUNITY BANKGRAND CHAIN112.31%
LA SALLE STATE BANKLA SALLE112.25%
COLLINSVILLE BLDG&LACOLLINSVILLE112.06%
DEVON BANKCHICAGO111.63%
SECURITY BANK S BSPRINGFIELD109.99%
WHEATON COLLEGE TRUST CO NAWHEATON106.60%
CENTRUST BANK NATIONAL ASSNNORTHBROOK106.53%
METROPOLITAN CAPITAL B&TCHICAGO106.33%
NORTH SIDE FS&LA OF CHICAGOCHICAGO105.51%
FIRST NATIONAL BANK&TRUST COCLINTON104.70%
HOYNE SAVINGS BANKCHICAGO104.62%
FIRST FEDERAL SAVINGS BANKOTTAWA102.33%
FIRST BANK CHICAGOHIGHLAND PARK101.64%
CAMP GROVE STATE BANKCAMP GROVE100.24%
PROSPECT BANKPARIS99.72%
FIRST NB OF OKAWVILLEOKAWVILLE99.52%
UNION SAVINGS BANKFREEPORT99.21%
FIRST SECURE BANK&TRUST COPALOS HILLS98.44%
PERU FEDERAL SAVINGS BANKPERU97.85%
GN BANKCHICAGO97.50%
LIBERTY BANK FOR SAVINGSCHICAGO97.36%
FARMERS STB OF HOFFMANHOFFMAN96.94%
FIDELITY BANKSAVANNA96.85%
FARMERS STATE BANK&TRUST COJACKSONVILLE95.66%
COMMUNITY PARTNERS SBSALEM95.05%
UNION FS&LAKEWANEE94.98%
CITIZENS BANK OF CHATSWORTHCHATSWORTH94.29%
WASHINGTON SAVINGS BANKEFFINGHAM93.89%
FLANAGAN STATE BANKFLANAGAN93.29%
CIBM BANKCHAMPAIGN91.71%
BANK OF HERRINHERRIN91.64%
COMMUNITY BANK OF ELMHURSTELMHURST91.14%
FNBC BANK&TRUSTLA GRANGE90.56%
FOREST PARK NB&T COFOREST PARK90.33%
COUNTRY TRUST BANKBLOOMINGTON90.22%
STATE BANK OF PEARL CITYPEARL CITY90.12%
WILLIAMSVILLE STATE B&TWILLIAMSVILLE89.60%
FLORA BANK&TRUSTFLORA89.39%
NORTH SHORE TRUST&SAVINGSWAUKEGAN89.12%
UNITED TRUST BANKPALOS HEIGHTS88.56%
MARSEILLES BANKMARSEILLES88.14%
FARMERS STATE BANKELMWOOD88.01%
GREAT RIVERS BANKBARRY87.58%
FEDERAL SAVINGS BANKCHICAGO87.36%
BEARDSTOWN SAVINGS S BBEARDSTOWN87.12%
STATE BANKWATERLOO86.56%
BANK OF STRONGHURSTSTRONGHURST86.42%
FIRST SECURE COMMUNITY BANKSUGAR GROVE86.34%
STATE BANK OF GENEVAGENEVA85.58%
SOLUTIONS BANKFORRESTON85.05%
FIRST STATE BANK OF DONGOLADONGOLA84.99%
BANK OF YATES CITYYATES CITY84.60%
LISLE SAVINGS BANKLISLE84.53%
FIRST NB OF ARENZVILLEARENZVILLE84.46%
MARQUETTE BANKCHICAGO84.37%
STATE BANK OF INDUSTRYINDUSTRY84.16%
VERMONT STATE BANKVERMONT84.06%
BANK OF BLUFFSBLUFFS83.82%
NATIONAL BANK OF ST ANNEST. ANNE83.55%
CITIZENS STB OF MILFORDMILFORD83.45%
STILLMAN BANCCORP N ASTILLMAN VALLEY83.19%
IPAVA STATE BANKIPAVA83.08%
STERLING FEDERAL BANK FSBSTERLING82.96%
PREFERRED BANKCASEY82.71%
FAIRFIELD NATIONAL BANKFAIRFIELD82.63%
HARVARD STATE BANKHARVARD82.37%
FIRST B&T CO OF MURPHYSBOROMURPHYSBORO82.30%
ANNA STATE BANKANNA82.03%
PRAIRIE COMMUNITY BANKMARENGO82.00%
MIDLAND COMMUNITY BANKKINCAID81.55%
FEDERATED BANKONARGA81.43%
DEWITT SAVINGS BANKCLINTON81.33%
LITCHFIELD NATIONAL BANKLITCHFIELD81.21%
WATERMAN BANKWATERMAN80.95%
TOMPKINS STATE BANKAVON80.79%
DEWEY BANKDEWEY80.53%
ATLANTA NATIONAL BANKATLANTA80.51%
FIRST CMTY BANK OF HILLSBOROHILLSBORO80.44%
STATE BANK OF GRAYMONTGRAYMONT80.38%
ALLIANCE COMMUNITY BANKPETERSBURG80.09%
CHESTERFIELD STATE BANKCHESTERFIELD79.69%
HOME STB NACRYSTAL LAKE79.65%
IROQUOIS FS&LAWATSEKA79.65%
PEOPLEFIRST BANKJOLIET78.87%
BANKFINANCIAL NATIONAL ASSNOLYMPIA FIELDS78.58%
BANK OF FARMINGTONFARMINGTON78.53%
AMERICAN METRO BANKCHICAGO78.46%
FIRST NB OF ASSUMPTIONASSUMPTION78.33%
PEOPLES BK OF KANKAKEE CNTYBOURBONNAIS78.28%
CAMPUS STATE BANKCAMPUS78.21%
SECURITY SAVINGS BANKMONMOUTH78.16%
BARRINGTON B&T CO NABARRINGTON78.07%
FIRST STATE BANKMENDOTA77.50%
STATE BANK OF TOULONTOULON77.46%
1ST COMMUNITY BANKSHERRARD77.27%
SPRING VALLEY CITY BANKSPRING VALLEY76.97%
STATE BANK OF BEMENTBEMENT76.58%
WINTRUST PRIVATE TRUST CO NALAKE FOREST76.26%
FIRST BANK OF MANHATTANMANHATTAN76.15%
1ST EQUITY BANKSKOKIE75.75%
COMMUNITY NB IN MONMOUTHMONMOUTH75.72%
GERMAN-AMERICAN STATE BANKGERMAN VALLEY75.45%
JERSEY STATE BANKJERSEYVILLE75.16%
FARMERS STB OF ALTO PASS ILLALTO PASS74.76%
NORTH ADAMS STATE BANKURSA74.75%
FIRST NB OF RAYMONDRAYMOND74.72%
FIRST NB IN TREMONTTREMONT74.65%
FWBANKCHICAGO74.30%
FIRST TRUST BANK OF ILLINOISKANKAKEE74.22%
CLAY CITY BANKING COCLAY CITY74.14%
FIRST NB OF BROWNSTOWNBROWNSTOWN74.08%
MURPHY-WALL STATE B&T COPINCKNEYVILLE73.90%
RESOURCE BANK NATIONAL ASSNDEKALB73.90%
FIRST STB SHANNON-POLOSHANNON73.82%
EXCHANGE STATE BANKLANARK73.71%
FIRST NB OF SPARTASPARTA73.70%
SCOTT STATE BANKBETHANY73.39%
STATE BANK OF WHITTINGTONBENTON73.38%
OSB COMMUNITY BANKOTTAWA73.33%
FIRST STATE BANK OF OLMSTEDOLMSTED73.06%
FIRST FS&LA OF CNTL IL S BSHELBYVILLE72.96%
CITY NB OF METROPOLISMETROPOLIS72.96%
BYRON BANKBYRON72.46%
PHILO EXCHANGE BANKPHILO72.44%
FIRST NB OF NOKOMISNOKOMIS72.43%
STATE BANK OF NAUVOONAUVOO72.42%
FARMERS STATE BANK OF EMDENEMDEN72.15%
FORTRESS BANKPEORIA71.97%
MIDWEST BANKMONMOUTH71.58%
BANK OF KAMPSVILLEKAMPSVILLE71.30%
FIRST CMTY BK MOULTRIE CNTYSULLIVAN71.17%
PETEFISH SKILES&COVIRGINIA71.12%
BANKORIONORION71.10%
WARREN-BOYNTON STATE BANKNEW BERLIN71.06%
FIRST STATE BANK OF FORRESTFORREST70.33%
CNB BANK&TRUST N ACARLINVILLE70.31%
NORTHERN TRUST COCHICAGO70.19%
FISHER NATIONAL BANKFISHER70.12%
FIRST SECURE STATE BANKWONDER LAKE69.85%
DIETERICH BANKEFFINGHAM69.79%
FAIRVIEW STATE BANKING COFAIRVIEW69.77%
PRAIRIE STATE BANK&TRUSTSPRINGFIELD69.74%
BANK OF BELLEVILLEBELLEVILLE69.69%
FIRST BANKERS TRUST CO NAQUINCY69.58%
COMMUNITY STB OF ROCK FALLSROCK FALLS69.48%
FIRST NB IN TAYLORVILLETAYLORVILLE69.46%
DU QUOIN STATE BANKDU QUOIN69.38%
STATE BANK OF HERSCHERHERSCHER69.33%
HICKORY POINT BANK&TRUSTDECATUR69.33%
FIRST NATIONAL BANK OF AVAAVA69.33%
ANNA JONESBORO NATIONAL BANKANNA69.29%
MILFORD BUILDING&LOAN ASSNMILFORD69.28%
FIRST NB OF LITCHFIELDLITCHFIELD69.25%
BETTER BANKSPEORIA69.24%
FIRST NATIONAL BANK IN AMBOYAMBOY69.23%
BANTERRA BANKMARION69.13%
SAUK VALLEY BANK&TRUST COSTERLING69.08%
HOLCOMB BANKROCHELLE69.07%
BRICKYARD BANKLINCOLNWOOD68.72%
FIRST NB IN PINCKNEYVILLEPINCKNEYVILLE68.66%
HERITAGE BANK OF SCHAUMBURGSCHAUMBURG68.64%
ANCHOR STATE BANKANCHOR68.62%
AMERICAN EAGLE BANKSOUTH ELGIN68.55%
FIRST ROBINSON SB NAROBINSON68.39%
BUENA VISTA NATIONAL BANKCHESTER68.27%
1NB BANKCARLYLE68.20%
TABLE GROVE STATE BANKTABLE GROVE68.13%
PAN AMERICAN BANK&TRUSTMELROSE PARK67.88%
MIDLAND STATES BANKEFFINGHAM67.72%
AMALGAMATED BANK OF CHICAGOCHICAGO67.57%
ITASCA BANK&TRUST COITASCA67.34%
TRUSTBANKOLNEY67.30%
FIRST STATE BANK OF VAN ORINVAN ORIN67.14%
FIRST NB OF WATERLOOWATERLOO66.73%
INTERNATIONAL BK OF CHICAGOCHICAGO66.38%
BANK OF HILLSBORO NAHILLSBORO66.34%
NORTH CENTRAL BANKHENNEPIN66.25%
WASHINGTON STATE BANKWASHINGTON66.24%
HILL-DODGE BANKING COWARSAW66.00%
GERBER STATE BANKARGENTA65.91%
FARMERS STB OF WESTERN ILALPHA65.82%
BUCKLEY STATE BANKBUCKLEY65.67%
SOUTHERNTRUST BANKMARION65.66%
COMMUNITY BANKWINSLOW65.64%
MIDAMERICA NATIONAL BANKCANTON65.62%
VILLA GROVE STATE BANKVILLA GROVE65.43%
PEOPLES BANK OF MACONMACON65.33%
BANK OF SPRINGFIELDSPRINGFIELD65.32%
FIRST NATIONAL BANK OF LACONLACON65.32%
FIRST CMTY BANK XENIA-FLORAXENIA65.05%
TOWN CENTER BANKFRANKFORT64.76%
FIRST FSB CHAMPAIGN URBANACHAMPAIGN64.62%
UNION NB&T CO OF ELGINELGIN64.60%
SERVBANK,SBOSWEGO64.49%
SOUTHERN ILLINOIS BANKJOHNSTON CITY64.45%
CITIZENS BANK OF EDINBURGEDINBURG64.34%
LONGVIEW COMMUNITY BANKMOUNT PULASKI64.08%
BEVERLY B&T CO NACHICAGO63.87%
LIBERTY BANKLIBERTY63.86%
REPUBLIC BANK OF CHICAGOOAK BROOK63.68%
FIRST NATIONAL BANK OF CARMICARMI63.67%
FNB COMMUNITY BANKVANDALIA63.64%
BANK OF CALHOUN COUNTYHARDIN63.56%
CITIZENS NB OF ALBIONALBION63.54%
INB NATIONAL ASSNSPRINGFIELD63.53%
MILLEDGEVILLE STATE BANKMILLEDGEVILLE63.50%
IUKA STATE BANKSALEM63.42%
HOMETOWN NATIONAL BANKLA SALLE63.40%
FIRST NB OF STEELEVILLESTEELEVILLE63.34%
WEST CENTRAL BANKASHLAND63.18%
RARITAN STATE BANKRARITAN63.05%
FIRST NATIONAL BANK IN OLNEYOLNEY63.02%
CITIZENS COMMUNITY BANKMASCOUTAH63.02%
FIRST SECURITY BANKMACKINAW62.86%
LEGENCE BANKELDORADO62.64%
IROQUOIS FARMERS STATE BANKIROQUOIS62.57%
PROVIDENCE BANK&TRUSTSOUTH HOLLAND62.46%
STATE STREET BANK&TRUST COQUINCY62.36%
CLAY COUNTY STATE BANKLOUISVILLE62.27%
NORTHWEST BANK OF ROCKFORDROCKFORD62.21%
GOLD COAST BANKCHICAGO62.16%
RUSHVILLE STATE BANKRUSHVILLE62.08%
OLD EXCHANGE NB OF OKAWVILLEOKAWVILLE62.05%
FARMERS&MERCHANTS STB BUSHNEBUSHNELL61.96%
FARMERS STATE BANKPITTSFIELD61.90%
TIME BANKPARK RIDGE61.61%
COMMUNITY BANK OF TRENTONTRENTON61.35%
SHELBY COUNTY STATE BANKSHELBYVILLE61.32%
BLACKHAWK BANK&TRUSTMILAN61.28%
STATE BANK OF DAVISDAVIS61.25%
PEOPLES STATE BANK OF COLFAXCOLFAX61.17%
PEOPLES NATIONAL BANK N AMOUNT VERNON61.10%
CORNERSTONE NB&T COPALATINE60.94%
FARMERS NB OF GRIGGSVILLEGRIGGSVILLE60.93%
MILLENNIUM BANKDES PLAINES60.85%
APPLE RIVER STATE BANKAPPLE RIVER60.69%
FIRST SECURITY T&SBELMWOOD PARK60.63%
ILLINI STATE BANKOGLESBY60.54%
FIRST MID B&T NAMATTOON60.52%
FARMERS&MERCHANTS NB NASHVILNASHVILLE60.49%
PEOPLES NB OF KEWANEEKEWANEE60.46%
CHESTER NATIONAL BANKCHESTER60.39%
FIRST FSB OF MASCOUTAHMASCOUTAH60.10%
GRANVILLE NATIONAL BANKGRANVILLE59.93%
BANKCHAMPAIGN NATIONAL ASSNCHAMPAIGN59.90%
EUREKA SAVINGS BANKLA SALLE59.70%
FIRST STATE BANK OF ST PETERSAINT PETER59.68%
PEOPLES STB OF NEWTON ILNEWTON59.67%
FIRST NB OF ALLENDALEALLENDALE59.60%
BANK&TRUST COLITCHFIELD59.51%
LAKESIDE BANKCHICAGO59.20%
CITIZENS STATE BANKLENA59.19%
GRAND RIDGE NATIONAL BANKWHEATON59.12%
MASON CITY NATIONAL BANKMASON CITY59.01%
FIRST NEIGHBOR BANK NATOLEDO58.84%
STATE BANK OF ST JACOBSAINT JACOB58.74%
FIRST STATE BANK&TRUSTMONTICELLO58.42%
BUSEY BANKCHAMPAIGN58.32%
BANK OF BOURBONNAISBOURBONNAIS58.15%
ANDERSON STATE BANKONEIDA57.80%
GOODFIELD STATE BANKGOODFIELD57.61%
FIRST AMERICAN BANKELK GROVE VILLAG57.46%
CARROLLTON BANKCARROLLTON57.26%
FIRST STB OF CAMPBELL HILLCAMPBELL HILL57.24%
AMERICAN COMMUNITY B&TWOODSTOCK57.11%
BANK OF RANTOULRANTOUL57.08%
COMMUNITY 1ST BK HEARTLANDMOUNT VERNON56.78%
LENA STATE BANKLENA56.71%
NASHVILLE SAVINGS BANKNASHVILLE56.68%
EVERGREEN BANK GROUPOAK BROOK56.66%
OLD SECOND NATIONAL BANKAURORA56.39%
FCB BANKSCOLLINSVILLE55.73%
CASEY STATE BANKCASEY55.60%
FARMERS STATE BANK&TRUST COMOUNT STERLING55.43%
FREDERICK COMMUNITY BANK THEPAXTON55.21%
HAVANA NATIONAL BANKHAVANA54.93%
UNITED COMMUNITY BANKCHATHAM54.55%
MORTON COMMUNITY BANKMORTON54.44%
CENTRAL STATE BANKCLAYTON54.28%
LONGVIEW BANKOGDEN53.97%
BELMONT BANK&TRUST COCHICAGO53.89%
CROSSROADS BANKEFFINGHAM53.57%
COMMUNITY STATE BANKGALVA53.27%
GIFFORD STATE BANKGIFFORD53.14%
TOWN&COUNTRY BANK MIDWESTQUINCY52.77%
BMO BANK NATIONAL ASSNCHICAGO52.33%
FIRST STB OF BEECHER CITYBEECHER CITY52.29%
OLD PLANK TRAIL CMTY BANK NANEW LENOX52.29%
CENTRAL BANK ILLINOISGENESEO52.07%
BYLINE BANKCHICAGO51.99%
BURLING BANKCHICAGO51.57%
KINMUNDY BANKKINMUNDY51.52%
TEUTOPOLIS STATE BANKTEUTOPOLIS51.41%
BANK OF PONTIACPONTIAC51.04%
BRADFORD NB OF GREENVILLEGREENVILLE51.04%
BANK OF GIBSON CITYGIBSON CITY50.91%
FIRST NATIONAL BANK OF PANAPANA50.83%
STATE BANK OF CHERRYCHERRY50.17%
STATE BANKFREEPORT50.16%
PEOPLES BANK&TRUSTPANA49.70%
FIRST NATIONS BANKCHICAGO49.50%
FIRST SOUTHERN BANKMARION49.38%
MUNICIPAL TRUST&SAVINGS BANKBOURBONNAIS49.18%
AMERICAN COMMERCIAL B&T NAOTTAWA48.93%
MIDDLETOWN STATE BANKMIDDLETOWN48.81%
GRUNDY BANKMORRIS48.62%
FIRST COMMUNITY BANK&TRUSTBEECHER48.58%
COMMUNITY BANK OF EASTONEASTON48.39%
HEARTLAND BANK&TRUST COBLOOMINGTON48.00%
VERMILION VALLEY BANKPIPER CITY47.14%
WINTRUST BANK NATIONAL ASSNCHICAGO45.24%
ALBANY B&T CO NACHICAGO44.97%
PARKWAY BANK&TRUST COHARWOOD HEIGHTS44.85%
FIRST NB OF BROOKFIELDBROOKFIELD44.70%
FARMERS NATIONAL BANKPROPHETSTOWN44.69%
ST CHARLES B&T CO NASAINT CHARLES43.99%
FIRST EAGLE BANKCHICAGO43.96%
LAKE FOREST B&T CO NALAKE FOREST43.69%
FIRST T&SB OF WATSEKA ILWATSEKA43.53%
GERMANTOWN T&SBBREESE43.11%
HINSDALE B&T CO NAHINSDALE42.72%
STATE BANK OF THE LAKES NAANTIOCH41.38%
SIGNATURE BANKROSEMONT40.53%
FIRST B&T CO OF ILLINOISPALATINE40.42%
CIBC BANK USACHICAGO40.20%
CRYSTAL LAKE B&T CO NACRYSTAL LAKE36.44%
WHEATON B&T NAWHEATON36.35%
LIBERTYVILLE B&T CO NALIBERTYVILLE34.91%
SCHAUMBURG B&T CO NASCHAUMBURG34.91%
NORTHBROOK B&T CO NANORTHBROOK33.02%
VILLAGE B&T NAARLINGTON HEIGHT30.44%
STATE BANK OF INDIACHICAGO0.00%
BANK OF O FALLONO'FALLON-9.17%
BMO HARRIS CENTRAL NAROSELLE-100.00%