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Better Banks
Peoria, IL · FDIC Certificate #1808 · Chartered 01/0
Total assets
$445.75M
Total deposits
$406.95M
Total equity
$35.50M
Net loans
$296.51M
Branches (offices)
9
Net income (YTD)
$2.47M
Rank: #1,923 of 4,213 U.S. banks by assets · #111 of 322 in Illinois. Assets changed 4.3% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 14.13% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 7.96% |
| Tier 1 leverage ratio | 9.43% |
| Uninsured deposits (share of deposits) | 8.0% |
| Noncurrent loans (share of loans) | 1.55% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 72.9% |
| Real estate loans (share of loans) | 51.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $152.51M | 51.4% | |
| Commercial & industrial | $16.46M | 5.6% | |
| Consumer / individual | $117.91M | 39.8% | |
| Construction & development | $12.21M | 4.1% | |
| Agricultural | $5.94M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $439.47M | $415.37M | $1.93M | $22.57M |
| Jun 2023 | $451.07M | $426.22M | $1.63M | $22.69M |
| Jun 2024 | $461.36M | $431.23M | $1.50M | $27.05M |
| Jun 2025 | $427.42M | $392.73M | $1.98M | $31.48M |
| Jun 2026 | $445.75M | $406.95M | $2.47M | $35.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $406.95M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $406.95M.
Similar-sized banks
Star Bank ($445.78M) · Bank Of The Plains ($445.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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