RANKING ·
Lowest efficiency ratio in Illinois
266 of 328 banks in Illinois that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Northbrook Bank & Trust Company N.A. | Northbrook, IL | 29.5% | $6.4 billion |
| 2 | Village Bank & Trust N.A. | Arlington Height, IL | 30.2% | $3.6 billion |
| 3 | Wheaton Bank & Trust Company N.A. | Wheaton, IL | 31.5% | $4.8 billion |
| 4 | Libertyville Bank & Trust Company N.A. | Libertyville, IL | 33.0% | $3.3 billion |
| 5 | Crystal Lake Bank & Trust Company N.A. | Crystal Lake, IL | 33.2% | $2.3 billion |
| 6 | Germantown Trust & Savings Bank | Breese, IL | 33.5% | $524 million |
| 7 | Schaumburg Bank & Trust Company N.A. | Schaumburg, IL | 35.1% | $2.6 billion |
| 8 | Municipal Trust and Savings Bank | Bourbonnais, IL | 36.4% | $382 million |
| 9 | State Bank of the Lakes N.A. | Antioch, IL | 36.4% | $2.8 billion |
| 10 | Teutopolis State Bank | Teutopolis, IL | 36.5% | $359 million |
| 11 | St. Charles Bank & Trust Company N.A. | Saint Charles, IL | 37.0% | $3.7 billion |
| 12 | Hinsdale Bank & Trust Company N.A. | Hinsdale, IL | 37.1% | $6.8 billion |
| 13 | Cibc Bank USA | Chicago, IL | 37.1% | $66.5 billion |
| 14 | Vermilion Valley Bank | Piper City, IL | 37.6% | $198 million |
| 15 | Goodfield State Bank | Goodfield, IL | 37.9% | $286 million |
| 16 | Town and Country Bank Midwest | Quincy, IL | 39.1% | $279 million |
| 17 | First Eagle Bank | Chicago, IL | 39.7% | $650 million |
| 18 | Signature Bank | Rosemont, IL | 40.0% | $2.1 billion |
| 19 | The First Trust and Savings Bank of Watseka | Watseka, IL | 41.1% | $337 million |
| 20 | Lake Forest Bank & Trust Company N.A. | Lake Forest, IL | 41.3% | $9.3 billion |
| 21 | First National Bank of Brookfield | Brookfield, IL | 41.8% | $420 million |
| 22 | Nashville Savings Bank | Nashville, IL | 42.2% | $108 million |
| 23 | Farmers National Bank | Prophetstown, IL | 43.1% | $896 million |
| 24 | First State Bank of Beecher City | Beecher City, IL | 43.1% | $112 million |
| 25 | Blackhawk Bank & Trust | Milan, IL | 43.1% | $2.0 billion |
| 26 | Union National Bank | Elgin, IL | 43.2% | $422 million |
| 27 | Peoples Bank & Trust | Pana, IL | 43.8% | $657 million |
| 28 | Parkway Bank and Trust Company | Harwood Heights, IL | 44.4% | $3.7 billion |
| 29 | First Southern Bank | Marion, IL | 44.5% | $1.0 billion |
| 30 | Crossroads Bank | Effingham, IL | 44.7% | $235 million |
| 31 | The Havana National Bank | Havana, IL | 45.6% | $333 million |
| 32 | Wintrust Bank N.A. | Chicago, IL | 45.9% | $9.6 billion |
| 33 | Bank of O'Fallon | O'Fallon, IL | 46.1% | $378 million |
| 34 | Byline Bank | Chicago, IL | 46.7% | $9.9 billion |
| 35 | Grundy Bank | Morris, IL | 46.7% | $505 million |
| 36 | Milledgeville State Bank | Milledgeville, IL | 47.1% | $215 million |
| 37 | First State Bank of Campbell Hill | Campbell Hill, IL | 47.7% | $160 million |
| 38 | Old Plank Trail Community Bank N.A. | New Lenox, IL | 47.8% | $3.5 billion |
| 39 | Liberty Bank | Liberty, IL | 47.8% | $194 million |
| 40 | Citizens State Bank | Lena, IL | 48.4% | $453 million |
| 41 | The Peoples State Bank of Newton, Illinois | Newton, IL | 48.4% | $737 million |
| 42 | Time Bank | Park Ridge, IL | 48.9% | $713 million |
| 43 | Streator Home Savings Bank | Streator, IL | 49.1% | $137 million |
| 44 | Lisle Savings Bank | Lisle, IL | 49.1% | $545 million |
| 45 | Farmers State Bank | Pittsfield, IL | 49.2% | $340 million |
| 46 | The Frederick Community Bank | Paxton, IL | 49.5% | $196 million |
| 47 | Illini State Bank | Oglesby, IL | 49.5% | $172 million |
| 48 | Citizens National Bank of Albion | Albion, IL | 49.6% | $349 million |
| 49 | First National Bank of Steeleville | Steeleville, IL | 49.8% | $275 million |
| 50 | 1nb Bank | Carlyle, IL | 49.8% | $319 million |
| 51 | Fcb Banks | Collinsville, IL | 50.0% | $2.6 billion |
| 52 | Heartland Bank and Trust Company | Bloomington, IL | 50.0% | $6.7 billion |
| 53 | Central State Bank | Clayton, IL | 50.1% | $175 million |
| 54 | Central Bank Illinois | Geneseo, IL | 50.2% | $1.5 billion |
| 55 | Anderson State Bank | Oneida, IL | 50.3% | $109 million |
| 56 | Old Second National Bank | Aurora, IL | 50.6% | $6.9 billion |
| 57 | The Granville National Bank | Granville, IL | 50.7% | $118 million |
| 58 | Belmont Bank & Trust Company | Chicago, IL | 50.9% | $1.1 billion |
| 59 | United Community Bank | Chatham, IL | 50.9% | $4.1 billion |
| 60 | American Commercial Bank & Trust N.A. | Ottawa, IL | 51.0% | $2.1 billion |
| 61 | Rushville State Bank | Rushville, IL | 51.1% | $135 million |
| 62 | Lakeside Bank | Chicago, IL | 51.3% | $2.9 billion |
| 63 | Longview Bank | Ogden, IL | 51.4% | $732 million |
| 64 | Providence Bank & Trust | South Holland, IL | 51.5% | $1.6 billion |
| 65 | First Nations Bank | Chicago, IL | 51.5% | $537 million |
| 66 | Morton Community Bank | Morton, IL | 51.7% | $5.3 billion |
| 67 | Grand Ridge National Bank | Wheaton, IL | 51.7% | $443 million |
| 68 | First Robinson Savings Bank N.A. | Robinson, IL | 51.8% | $512 million |
| 69 | Casey State Bank | Casey, IL | 51.9% | $497 million |
| 70 | State Street Bank and Trust Company | Quincy, IL | 52.1% | $357 million |
| 71 | Shelby County State Bank | Shelbyville, IL | 52.5% | $363 million |
| 72 | Bank of Pontiac | Pontiac, IL | 52.6% | $1.2 billion |
| 73 | Community Bank | Winslow, IL | 52.8% | $311 million |
| 74 | Farmers State Bank & Trust Co. | Mount Sterling, IL | 52.8% | $130 million |
| 75 | International Bank of Chicago | Chicago, IL | 53.1% | $983 million |
| 76 | First Trust Bank of Illinois | Kankakee, IL | 53.2% | $406 million |
| 77 | American Community Bank & Trust | Woodstock, IL | 53.3% | $1.2 billion |
| 78 | Apple River State Bank | Apple River, IL | 53.8% | $675 million |
| 79 | Southerntrust Bank | Marion, IL | 53.8% | $278 million |
| 80 | Exchange State Bank | Lanark, IL | 53.9% | $113 million |
| 81 | Constitution Bank N.A. | Hillsboro, IL | 54.1% | $683 million |
| 82 | Chester National Bank | Chester, IL | 54.3% | $126 million |
| 83 | Burling Bank | Chicago, IL | 54.7% | $214 million |
| 84 | First National Bank in Taylorville | Taylorville, IL | 54.8% | $200 million |
| 85 | Community First Bank of the Heartland | Mount Vernon, IL | 55.0% | $267 million |
| 86 | Byron Bank | Byron, IL | 55.2% | $384 million |
| 87 | Eureka Savings Bank | La Salle, IL | 55.6% | $436 million |
| 88 | State Bank of Toulon | Toulon, IL | 55.7% | $343 million |
| 89 | Carrollton Bank | Carrollton, IL | 55.7% | $3.9 billion |
| 90 | Clay County State Bank | Louisville, IL | 55.8% | $104 million |
| 91 | Busey Bank | Champaign, IL | 56.0% | $18.1 billion |
| 92 | First Bank of Manhattan | Manhattan, IL | 56.0% | $266 million |
| 93 | The Fnb Community Bank | Vandalia, IL | 56.2% | $499 million |
| 94 | Bankchampaign N.A. | Champaign, IL | 56.2% | $243 million |
| 95 | Iroquois Farmers State Bank | Iroquois, IL | 56.4% | $174 million |
| 96 | The First National Bank of Allendale | Allendale, IL | 56.4% | $421 million |
| 97 | The Clay City Banking Co. | Clay City, IL | 56.7% | $253 million |
| 98 | Bank & Trust Company | Litchfield, IL | 56.7% | $641 million |
| 99 | First Community Bank and Trust | Beecher, IL | 56.7% | $202 million |
| 100 | Albany Bank & Trust Co. N.A. | Chicago, IL | 56.9% | $722 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings