| Metric | Du Quoin State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.1 pts |
| Deposit growth (YoY) | +9.4% | +4.0% | +5.5 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 24.9% | 11.9% | +13.1 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.2M | $136.3M | $46.7M | $6.0M | $657K | 0.92% | 3.27% | 0.00% |
| Q1 2026 | $143.2M | $133.1M | $46.4M | $4.1M | $341K | 0.97% | 3.26% | 0.00% |
| Q4 2025 | $138.5M | $126.9M | $46.3M | $5.7M | $1.2M | 0.90% | 3.29% | 0.03% |
| Q3 2025 | $134.4M | $123.1M | $45.8M | $4.9M | $1.1M | 1.04% | 3.31% | 0.03% |
| Q2 2025 | $133.1M | $124.6M | $43.0M | $2.0M | $692K | 1.02% | 3.36% | 0.03% |
| Q1 2025 | $140.8M | $131.9M | $41.4M | $2.5M | $310K | 0.91% | 3.29% | 0.44% |
| Q4 2024 | $131.7M | $122.3M | $42.4M | $2.9M | $1.3M | 0.95% | 3.49% | 0.48% |
| Q3 2024 | $136.7M | $124.2M | $40.9M | $5.5M | $886K | 0.89% | 3.50% | 0.45% |
Loan mix (Q2 2026): real estate $40.0M · commercial $3.5M · consumer $3.0M · securities $89.6M
| Ratio | Du Quoin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 24.9% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 62.9% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Du Quoin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Du Quoin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Du Quoin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Du Quoin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Du Quoin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Du Quoin State Bank is in an open deal as the target: Du Quoin State Bank Employee Stock Ownership Plan, Daniel Ray Fulk, individually… to take control of Du Quoin State Bank (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 22, 2026 | Target | Du Quoin State Bank Employee Stock Ownership Plan, Daniel Ray Fulk, individually… | Change in control | Approved | Federal Reserve |
| Aug 1, 2026 | Target | Notice by Daniel Ray Fulk, individually and as trustee of Du Quoin State Bank Em… | Change in control | Pending | Federal Reserve |
5 branches in 3 counties across 1 state (+0 vs 2025) · $136.3M branch deposits. Biggest market: Perry, IL, ranked 1st with 26.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Perry, IL | 3 | $136.3M | 26.07% | 1st |
| Franklin, IL | 1 | $0 | 0.00% | 9th |
| Jackson, IL | 1 | $0 | 0.00% | 13th |
Illinois: 318th with 0.02% ·
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).