Efficiency Ratio2025Q1

Updated: 2025-03-31
ILLINOIS·2025-03-31·Banks: 348

State Rankings & Insights

See how banks across ILLINOIS rank on Efficiency Ratio for 2025Q1. Values are reported in percentage terms as of 2025-03-31. Browse the table below or jump directly to an institution’s call‑report profile.

  • Average: 68.49%
  • Median: 67.33%
  • Min / Max: -66.67%163.84%
Count
348
Sum
23834.47%
Avg
68.49%
Median
67.33%
Min
-66.67%
Max
163.84%
BankCityEfficiency Ratio
SMARTBIZ BANK NATIONAL ASSNNORTHBROOK163.84%
GRAND RIVERS COMMUNITY BANKGRAND CHAIN154.25%
LEMONT NATIONAL BANKLEMONT150.00%
COMMUNITY SAVINGS BANKCHICAGO143.99%
DEVON BANKCHICAGO122.60%
METROPOLITAN CAPITAL B&TCHICAGO116.97%
FARMERS STATE BANK OF MEDORAMEDORA116.55%
MIDLAND FS&LABRIDGEVIEW116.00%
CENTRAL FS&LACICERO113.77%
NORTH SIDE FS&LA OF CHICAGOCHICAGO110.39%
STREATOR HOME SAVINGS BANKSTREATOR108.98%
NORTH COUNTY SAVINGS BANKRED BUD106.43%
NORTH SHORE TRUST&SAVINGSWAUKEGAN104.81%
FARMERS STATE BANKELMWOOD103.31%
FIRST SECURITY T&SBELMWOOD PARK102.10%
PREFERRED BANKCASEY101.85%
FEDERAL SAVINGS BANKCHICAGO101.83%
PROSPECT BANKPARIS101.60%
FIRST NATIONAL BANK&TRUST COCLINTON101.30%
COLLINSVILLE BLDG&LACOLLINSVILLE101.09%
FIRST SB OF HEGEWISCHCHICAGO100.38%
WILLIAMSVILLE STATE B&TWILLIAMSVILLE100.00%
FIDELITY BANKSAVANNA99.14%
HARTSBURG STATE BANKHARTSBURG98.46%
FLANAGAN STATE BANKFLANAGAN97.96%
UNION SAVINGS BANKFREEPORT97.32%
FIRST FEDERAL SAVINGS BANKOTTAWA97.15%
HOYNE SAVINGS BANKCHICAGO96.97%
FIRST BANK CHICAGOHIGHLAND PARK95.85%
CAMP GROVE STATE BANKCAMP GROVE94.95%
WHEATON COLLEGE TRUST CO NAWHEATON94.81%
UNION FS&LAKEWANEE94.58%
FIRST B&T CO OF MURPHYSBOROMURPHYSBORO93.20%
LISLE SAVINGS BANKLISLE92.94%
MARSEILLES BANKMARSEILLES92.54%
UNITED TRUST BANKPALOS HEIGHTS92.53%
MIDWEST NATIONAL BANKSANDOVAL92.48%
LIBERTY BANK FOR SAVINGSCHICAGO92.39%
STATE BANK OF GENEVAGENEVA91.99%
DEWITT SAVINGS BANKCLINTON91.94%
COMMUNITY PARTNERS SBSALEM91.94%
CHESTERFIELD STATE BANKCHESTERFIELD91.85%
GN BANKCHICAGO91.82%
FIRST SECURE BANK&TRUST COPALOS HILLS91.67%
CITIZENS BANK OF CHATSWORTHCHATSWORTH91.62%
STATE BANKWATERLOO91.60%
BANK OF BLUFFSBLUFFS91.37%
WASHINGTON SAVINGS BANKEFFINGHAM91.25%
LA SALLE STATE BANKLA SALLE88.96%
FWBANKCHICAGO88.92%
CIBM BANKCHAMPAIGN88.50%
MILFORD BUILDING&LOAN ASSNMILFORD88.16%
VERMONT STATE BANKVERMONT87.68%
BANK OF STRONGHURSTSTRONGHURST87.02%
WATERMAN BANKWATERMAN86.83%
PRAIRIE COMMUNITY BANKMARENGO86.59%
STILLMAN BANCCORP N ASTILLMAN VALLEY86.55%
FIRST NB OF OKAWVILLEOKAWVILLE86.36%
COMMUNITY BANK OF ELMHURSTELMHURST84.89%
FOREST PARK NB&T COFOREST PARK84.13%
ATLANTA NATIONAL BANKATLANTA83.69%
CITIZENS STB OF MILFORDMILFORD82.90%
TABLE GROVE STATE BANKTABLE GROVE82.85%
COUNTRY TRUST BANKBLOOMINGTON82.38%
FAIRFIELD NATIONAL BANKFAIRFIELD81.99%
MUTUAL FEDERAL BANKCHICAGO81.61%
MARQUETTE BANKCHICAGO81.46%
IROQUOIS FS&LAWATSEKA81.44%
FLORA BANK&TRUSTFLORA81.40%
FEDERATED BANKONARGA81.31%
FORTRESS BANKPEORIA81.20%
FARMERS STB OF HOFFMANHOFFMAN80.94%
FIRST STATE BANK OF DONGOLADONGOLA80.80%
STATE BANK OF NAUVOONAUVOO80.45%
AMERICAN EAGLE BANKSOUTH ELGIN79.88%
FIRST STATE BANK OF FORRESTFORREST79.81%
JERSEY STATE BANKJERSEYVILLE79.13%
AMERICAN METRO BANKCHICAGO78.96%
FIRST NB IN TREMONTTREMONT78.75%
SPRING VALLEY CITY BANKSPRING VALLEY78.51%
BANK OF KAMPSVILLEKAMPSVILLE78.50%
FIRST CMTY BANK OF HILLSBOROHILLSBORO78.31%
HOME STB NACRYSTAL LAKE78.16%
BANK OF FARMINGTONFARMINGTON77.90%
FNBC BANK&TRUSTLA GRANGE77.82%
RESOURCE BANK NATIONAL ASSNDEKALB77.76%
FARMERS STB OF ALTO PASS ILLALTO PASS77.67%
BANKFINANCIAL NATIONAL ASSNOLYMPIA FIELDS77.67%
OSB COMMUNITY BANKOTTAWA77.57%
FIRST SECURE COMMUNITY BANKSUGAR GROVE77.37%
LITCHFIELD NATIONAL BANKLITCHFIELD77.11%
CENTRAL SAVINGS FSBCHICAGO76.91%
STATE BANK OF PEARL CITYPEARL CITY76.83%
1ST COMMUNITY BANKSHERRARD76.65%
SECURITY BANK S BSPRINGFIELD76.43%
BANTERRA BANKMARION76.38%
HARVARD STATE BANKHARVARD76.27%
FIRST SECURE STATE BANKWONDER LAKE76.24%
STERLING FEDERAL BANK FSBSTERLING75.98%
PEOPLEFIRST BANKJOLIET75.81%
FIRST NATIONAL BANK OF LACONLACON75.80%
WINTRUST PRIVATE TRUST CO NALAKE FOREST75.68%
FARMERS STATE BANK&TRUST COJACKSONVILLE75.45%
FIRST BANK OF MANHATTANMANHATTAN75.45%
BARRINGTON B&T CO NABARRINGTON75.41%
INTERNATIONAL BK OF CHICAGOCHICAGO75.36%
STATE BANK OF BEMENTBEMENT75.33%
ANNA STATE BANKANNA75.27%
GERBER STATE BANKARGENTA75.24%
BANK OF BOURBONNAISBOURBONNAIS75.15%
PAN AMERICAN BANK&TRUSTMELROSE PARK75.06%
FIRST STB SHANNON-POLOSHANNON74.91%
COMMUNITY NB IN MONMOUTHMONMOUTH74.59%
BETTER BANKSPEORIA74.46%
PEOPLES BANK OF MACONMACON74.29%
PHILO EXCHANGE BANKPHILO74.06%
SECURITY SAVINGS BANKMONMOUTH74.04%
DU QUOIN STATE BANKDU QUOIN74.02%
COMMUNITY STB OF ROCK FALLSROCK FALLS73.80%
NORTHERN TRUST COCHICAGO73.75%
DEWEY BANKDEWEY73.73%
FIRST NB OF WATERLOOWATERLOO73.67%
PRAIRIE STATE BANK&TRUSTSPRINGFIELD73.57%
IPAVA STATE BANKIPAVA73.52%
BYRON BANKBYRON73.32%
SAUK VALLEY BANK&TRUST COSTERLING73.04%
FIRST BANKERS TRUST CO NAQUINCY72.82%
FIRST NATIONAL BANK OF AVAAVA72.79%
SCOTT STATE BANKBETHANY72.63%
FIRST NATIONAL BANK IN AMBOYAMBOY72.49%
BANK OF YATES CITYYATES CITY72.46%
FIRST STATE BANKMENDOTA72.42%
ALBANY B&T CO NACHICAGO72.30%
FARMERS STB OF WESTERN ILALPHA71.93%
BANK OF HERRINHERRIN71.82%
MURPHY-WALL STATE B&T COPINCKNEYVILLE71.66%
NATIONAL BANK OF ST ANNEST. ANNE71.66%
TOWN CENTER BANKFRANKFORT71.39%
ITASCA BANK&TRUST COITASCA71.26%
WASHINGTON STATE BANKWASHINGTON71.15%
AMALGAMATED BANK OF CHICAGOCHICAGO71.14%
BEARDSTOWN SAVINGS S BBEARDSTOWN71.09%
BANK OF BELLEVILLEBELLEVILLE71.09%
ALLIANCE COMMUNITY BANKPETERSBURG71.08%
FIRST NB OF NOKOMISNOKOMIS71.07%
BANKORIONORION70.20%
DIETERICH BANKEFFINGHAM70.00%
MIDLAND COMMUNITY BANKKINCAID69.93%
FNB COMMUNITY BANKVANDALIA69.81%
STATE BANK OF WHITTINGTONBENTON69.69%
COMMUNITY BANK OF TRENTONTRENTON69.53%
PERU FEDERAL SAVINGS BANKPERU69.52%
SOLUTIONS BANKFORRESTON69.47%
HICKORY POINT BANK&TRUSTDECATUR69.45%
GRANVILLE NATIONAL BANKGRANVILLE69.40%
CITY NB OF METROPOLISMETROPOLIS69.35%
FIRST NB OF ASSUMPTIONASSUMPTION69.23%
HOLCOMB BANKROCHELLE69.15%
NORTH CENTRAL BANKHENNEPIN68.96%
CORNERSTONE NB&T COPALATINE68.82%
TOMPKINS STATE BANKAVON68.57%
FIRST NB OF RAYMONDRAYMOND68.54%
FIRST SECURITY BANKMACKINAW68.44%
LEGENCE BANKELDORADO68.33%
FIRST CMTY BK MOULTRIE CNTYSULLIVAN68.17%
PEOPLES NB OF KEWANEEKEWANEE68.07%
IUKA STATE BANKSALEM67.91%
MIDWEST BANKMONMOUTH67.60%
FORESIGHT BANKWINNEBAGO67.58%
FIRST STATE BANK OF VAN ORINVAN ORIN67.52%
BANKCHAMPAIGN NATIONAL ASSNCHAMPAIGN67.51%
LONGVIEW COMMUNITY BANKMOUNT PULASKI67.47%
FIRST ROBINSON SB NAROBINSON67.45%
FIRST TRUST BANK OF ILLINOISKANKAKEE67.43%
FIRST NB OF LITCHFIELDLITCHFIELD67.23%
ANNA JONESBORO NATIONAL BANKANNA67.06%
CAMPUS STATE BANKCAMPUS66.98%
BANK OF SPRINGFIELDSPRINGFIELD66.95%
PEOPLES NATIONAL BANK N AMOUNT VERNON66.57%
FIRST NB OF SPARTASPARTA66.09%
HERITAGE BANK OF SCHAUMBURGSCHAUMBURG66.08%
FIRST NATIONAL BANK OF CARMICARMI65.99%
INB NATIONAL ASSNSPRINGFIELD65.84%
GREAT RIVERS BANKBARRY65.52%
ILLINI STATE BANKOGLESBY65.47%
REPUBLIC BANK OF CHICAGOOAK BROOK65.37%
WARREN-BOYNTON STATE BANKNEW BERLIN65.23%
CHESTER NATIONAL BANKCHESTER64.79%
WEST CENTRAL BANKASHLAND64.49%
BRICKYARD BANKLINCOLNWOOD64.49%
FIRST NB IN PINCKNEYVILLEPINCKNEYVILLE64.43%
FIRST COMMUNITY BANK&TRUSTBEECHER64.33%
CLAY CITY BANKING COCLAY CITY64.31%
SOUTHERN ILLINOIS BANKJOHNSTON CITY64.24%
STATE BANK OF DAVISDAVIS64.11%
EUREKA SAVINGS BANKLA SALLE64.07%
TRUSTBANKOLNEY63.97%
STATE BANK OF HERSCHERHERSCHER63.84%
1NB BANKCARLYLE63.67%
FARMERS NB OF GRIGGSVILLEGRIGGSVILLE63.55%
FIRST STATE BANK OF OLMSTEDOLMSTED63.41%
BANK&TRUST COLITCHFIELD63.40%
FIRST NEIGHBOR BANK NATOLEDO63.37%
FIRST NATIONAL BANK IN OLNEYOLNEY63.28%
ANCHOR STATE BANKANCHOR63.27%
FARMERS&MERCHANTS NB NASHVILNASHVILLE63.01%
CNB BANK&TRUST N ACARLINVILLE62.87%
MILLEDGEVILLE STATE BANKMILLEDGEVILLE62.86%
FISHER NATIONAL BANKFISHER62.85%
CLAY COUNTY STATE BANKLOUISVILLE62.83%
SERVBANK,SBOSWEGO62.76%
STATE BANK OF GRAYMONTGRAYMONT62.68%
FIRST FSB CHAMPAIGN URBANACHAMPAIGN62.44%
PROVIDENCE BANK&TRUSTSOUTH HOLLAND62.35%
MIDAMERICA NATIONAL BANKCANTON62.16%
HOMETOWN NATIONAL BANKLA SALLE62.06%
NORTH ADAMS STATE BANKURSA62.03%
SHELBY COUNTY STATE BANKSHELBYVILLE61.91%
FIRST FS&LA OF CNTL IL S BSHELBYVILLE61.72%
FIRST NB OF ALLENDALEALLENDALE61.65%
BANK OF CALHOUN COUNTYHARDIN61.07%
MIDLAND STATES BANKEFFINGHAM60.95%
PETEFISH SKILES&COVIRGINIA60.86%
NORTHWEST BANK OF ROCKFORDROCKFORD60.76%
EXCHANGE STATE BANKLANARK60.75%
LENA STATE BANKLENA60.72%
FIRST NB OF ARENZVILLEARENZVILLE60.65%
VILLA GROVE STATE BANKVILLA GROVE60.65%
OLD EXCHANGE NB OF OKAWVILLEOKAWVILLE60.60%
BLACKHAWK BANK&TRUSTMILAN60.55%
STATE STREET BANK&TRUST COQUINCY60.40%
BRADFORD NB OF GREENVILLEGREENVILLE60.37%
FIRST CMTY BANK XENIA-FLORAXENIA60.26%
RUSHVILLE STATE BANKRUSHVILLE60.11%
FIRST STATE BANK&TRUSTMONTICELLO60.03%
FAIRVIEW STATE BANKING COFAIRVIEW60.00%
SAINTE MARIE STATE BANKSAINTE MARIE60.00%
FIRST NB OF BROWNSTOWNBROWNSTOWN60.00%
IROQUOIS FARMERS STATE BANKIROQUOIS59.76%
FIRST MID B&T NAMATTOON59.44%
BUENA VISTA NATIONAL BANKCHESTER59.42%
FIRST FSB OF MASCOUTAHMASCOUTAH59.19%
FIRST AMERICAN BANKELK GROVE VILLAG59.03%
STATE BANK OF INDUSTRYINDUSTRY58.94%
FARMERS STATE BANKPITTSFIELD58.65%
LAKESIDE BANKCHICAGO58.60%
APPLE RIVER STATE BANKAPPLE RIVER58.54%
GOLD COAST BANKCHICAGO58.49%
CITIZENS COMMUNITY BANKMASCOUTAH58.39%
STATE BANK OF TOULONTOULON58.36%
FIRST NB IN TAYLORVILLETAYLORVILLE58.25%
ANDERSON STATE BANKONEIDA57.98%
BANK OF HILLSBORO NAHILLSBORO57.81%
BEVERLY B&T CO NACHICAGO57.75%
FARMERS&MERCHANTS STB BUSHNEBUSHNELL57.65%
1ST EQUITY BANKSKOKIE57.24%
BUSEY BANKCHAMPAIGN57.23%
MASON CITY NATIONAL BANKMASON CITY57.21%
FIRST NATIONS BANKCHICAGO57.16%
EVERGREEN BANK GROUPOAK BROOK57.06%
HAVANA NATIONAL BANKHAVANA57.01%
FIRST STATE BANK OF ST PETERSAINT PETER56.82%
GRAND RIDGE NATIONAL BANKWHEATON56.78%
LONGVIEW BANKOGDEN56.52%
UNITED COMMUNITY BANKCHATHAM56.46%
CITIZENS STATE BANKLENA56.36%
RARITAN STATE BANKRARITAN56.31%
FCB BANKSCOLLINSVILLE56.01%
CARROLLTON BANKCARROLLTON55.92%
CITIZENS BANK OF EDINBURGEDINBURG55.85%
COMMUNITY 1ST BK HEARTLANDMOUNT VERNON55.85%
OLD SECOND NATIONAL BANKAURORA55.78%
COMMUNITY STATE BANKGALVA55.65%
STATE BANK OF CHERRYCHERRY55.33%
FIRST SOUTHERN BANKMARION55.13%
CITIZENS NB OF ALBIONALBION54.58%
BMO BANK NATIONAL ASSNCHICAGO54.37%
BURLING BANKCHICAGO54.31%
FIRST NB OF STEELEVILLESTEELEVILLE54.21%
SOUTHERNTRUST BANKMARION53.95%
CASEY STATE BANKCASEY53.52%
PEOPLES STATE BANK OF COLFAXCOLFAX53.49%
CENTRAL STATE BANKCLAYTON53.39%
CENTRAL BANK ILLINOISGENESEO52.94%
CROSSROADS BANKEFFINGHAM52.94%
MILLENNIUM BANKDES PLAINES52.80%
MORTON COMMUNITY BANKMORTON52.52%
BYLINE BANKCHICAGO52.22%
BANK OF PONTIACPONTIAC51.98%
AMERICAN COMMUNITY B&TWOODSTOCK51.91%
AMERICAN COMMERCIAL B&T NAOTTAWA51.52%
GIFFORD STATE BANKGIFFORD51.31%
STATE BANKFREEPORT51.09%
HEARTLAND BANK&TRUST COBLOOMINGTON51.00%
FARMERS NATIONAL BANKPROPHETSTOWN50.91%
BELMONT BANK&TRUST COCHICAGO50.63%
FIRST STB OF CAMPBELL HILLCAMPBELL HILL50.52%
FARMERS STATE BANK&TRUST COMOUNT STERLING50.12%
FIRST STB OF BEECHER CITYBEECHER CITY49.81%
PRINCEVILLE STATE BANKPRINCEVILLE49.64%
COMMUNITY BANKWINSLOW49.50%
PEOPLES STB OF NEWTON ILNEWTON49.20%
GOODFIELD STATE BANKGOODFIELD49.19%
PARKWAY BANK&TRUST COHARWOOD HEIGHTS49.13%
FARMERS&MERCHANTS BK HUTSONVHUTSONVILLE49.02%
TIME BANKPARK RIDGE48.53%
FREDERICK COMMUNITY BANK THEPAXTON47.94%
VERMILION VALLEY BANKPIPER CITY47.80%
FIRST NATIONAL BANK OF PANAPANA47.49%
BUCKLEY STATE BANKBUCKLEY47.32%
OLD PLANK TRAIL CMTY BANK NANEW LENOX47.29%
FIRST B&T CO OF ILLINOISPALATINE47.24%
FIRST NB OF BROOKFIELDBROOKFIELD46.83%
NASHVILLE SAVINGS BANKNASHVILLE46.54%
WINTRUST BANK NATIONAL ASSNCHICAGO46.27%
LIBERTY BANKLIBERTY45.72%
MIDDLETOWN STATE BANKMIDDLETOWN45.70%
STATE BANK OF THE LAKES NAANTIOCH44.99%
BANK OF O FALLONO'FALLON44.94%
FIRST EAGLE BANKCHICAGO44.89%
HILL-DODGE BANKING COWARSAW44.34%
PEOPLES BANK&TRUSTPANA44.12%
FARMERS STATE BANK OF EMDENEMDEN44.00%
TOWN&COUNTRY BANK MIDWESTQUINCY43.73%
LAKE FOREST B&T CO NALAKE FOREST43.15%
GRUNDY BANKMORRIS43.06%
FIRST T&SB OF WATSEKA ILWATSEKA42.41%
ST CHARLES B&T CO NASAINT CHARLES42.39%
HINSDALE B&T CO NAHINSDALE40.37%
SIGNATURE BANKROSEMONT40.30%
TEUTOPOLIS STATE BANKTEUTOPOLIS40.00%
BANK OF RANTOULRANTOUL39.63%
GERMANTOWN T&SBBREESE39.19%
COMMUNITY BANK OF EASTONEASTON39.18%
SCHAUMBURG B&T CO NASCHAUMBURG38.30%
KINMUNDY BANKKINMUNDY37.57%
WHEATON B&T NAWHEATON36.80%
STATE BANK OF ST JACOBSAINT JACOB36.64%
CIBC BANK USACHICAGO35.95%
LIBERTYVILLE B&T CO NALIBERTYVILLE34.88%
UNION NB&T CO OF ELGINELGIN34.67%
CRYSTAL LAKE B&T CO NACRYSTAL LAKE34.41%
MUNICIPAL TRUST&SAVINGS BANKBOURBONNAIS34.06%
NORTHBROOK B&T CO NANORTHBROOK33.95%
VILLAGE B&T NAARLINGTON HEIGHT31.61%
PEOPLES BK OF KANKAKEE CNTYBOURBONNAIS29.91%
STATE BANK OF INDIACHICAGO0.00%
BMO HARRIS CENTRAL NAROSELLE-66.67%