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Banks in Effingham, IL Current FDIC-insured banks headquartered in the Effingham, IL metropolitan area
Data as of Q2 2026 call reports. Banks that no longer file, such as acquired banks, are not listed.
Every FDIC-insured bank with headquarters in the Effingham, IL metro area that still files, with the most recent quarterly call report data: total assets, deposits, capital ratios, asset quality, and profitability. The full metro area covered is Effingham, IL.
The Effingham, IL metro area is home to 7 FDIC-insured banks, holding $10.27B in combined assets and $8.75B in deposits. The largest is Midland States Bank ($6.69B), about 65% of the group's total banking assets, followed by Dieterich Bank and First Neighbor Bank, N.A. Across these banks, the median return on assets is 1.26% and the median CET1 capital ratio is 16.31%.
All banks in Effingham, IL 7 institutions with the latest quarterly call report metrics: capital, profitability, and asset quality.
Ratio shading vs. typical bank ranges:
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Banks in the Effingham, IL metro area, with total assets, ROA, net interest margin, efficiency ratio, CET1, NPL ratio, and Texas ratio. Bank City Assets ROA NIM Eff. CET1 NPL Texas Midland States Bank Effingham, IL $6.69B 1.26% 3.99% 59.2% 13.59% 1.43% 8.9% Dieterich Bank Effingham, IL $1.55B 0.41% 3.49% 67.8% 10.14% 1.87% 21.0% First Neighbor Bank, N.A. Toledo, IL $736.0M 1.07% 4.20% 67.8% — 2.00% 12.6% Washington Savings Bank Effingham, IL $585.3M 0.79% 2.73% 65.6% 19.02% 0.29% 1.7% Teutopolis State Bank Teutopolis, IL $358.5M 1.92% 3.70% 36.3% — 0.00% 0.0% Crossroads Bank Effingham, IL $234.7M 1.29% 3.25% 43.6% — 0.06% 0.3% First State Bank of Beecher City Beecher City, IL $112.2M 2.89% 4.62% 43.1% 23.29% 0.81% 3.5%
Definitions: return on assets (ROA) , net interest margin (NIM) , efficiency ratio (Eff.) , CET1 capital ratio , nonperforming loan ratio (NPL) and Texas ratio . A blank or NM value sorts last.
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