Campus State Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Campus State Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $53K in Q3 2026, down 44.8% from $96K in Q3 2025.
Efficiency ratio dropped 9.67 percentage points in Q3 2026, from 85.05% to 75.38%. It was the largest change from Q2 2026 among the key lines here. Campus State Bank ranks 228th of 319 Illinois banks on return on assets, in the lower half at 0.82% (Q3 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. Campus State Bank sits 0.16 points lower, at 0.82% (Q3 2026).
Net income
Return on assets changed the most here, up 0.12 points to 0.82% in Q3 2026 from 0.70% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | $53K |
| Return on assets | 0.82% |
| Return on equity | 6.68% |
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Interest income and expense
Largest change in this table: net interest margin, up 0.32 points to 4.90% in Q3 2026 after 4.58% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $239K |
| Total interest expense | $27K |
| Interest expense on deposits | $27K |
| Net interest margin | 4.90% |
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $249K |
| Salaries and general administrative expense | $208K |
| Amortization of intangibles | $0 |
| Other noninterest expense | $41K |
| Efficiency ratio | 75.38% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $6.6M |
| Revenue per employee | $329K |
| Full-time equivalent employees | 4 |
Credit costs and securities results
Largest change in this table: provision expense to average assets, down 0.05 points to -0.02% in Q3 2026 after 0.03% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | -$1K |
| Provision expense to average assets | -0.02% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | -$70K | -1.06% | -10.45% | 119.88% |
| Q1 2024 | $94K | 1.41% | 14.05% | 66.33% |
| Q2 2024 | $46K | 0.69% | 6.73% | 84.80% |
| Q3 2024 | $79K | 1.19% | 11.31% | 72.15% |
| Q4 2024 | $15K | 0.23% | 2.11% | 78.05% |
| Q1 2025 | $101K | 1.56% | 14.01% | 66.87% |
| Q2 2025 | $36K | 0.57% | 4.90% | 74.12% |
| Q3 2025 | $96K | 1.49% | 12.79% | 72.46% |
| Q4 2025 | $0 | 0.00% | 0.00% | 95.88% |
| Q1 2026 | $139K | 2.15% | 18.16% | 53.79% |
| Q2 2026 | $45K | 0.70% | 5.76% | 85.05% |
| Q3 2026 | $53K | 0.82% | 6.68% | 75.38% |
Campus State Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Campus State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 10840) · FFIEC NIC profile (RSSD 424437)