U.S. Banks under $100M in Assets — Benchmarks

576 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Cite as: FACTANKER, https://factanker.com/banks/assets-lt-100m

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	70.8%	576	2026Q2
Equity Capital / Total Assets	12.6%	583	2026Q2
Loan Loss Reserve / Loans	1.2%	525	2026Q2
Loans / Deposits	66.9%	542	2026Q2
Net Income (year to date)	$295.0k	583	2026Q2
Net Interest Income / Assets (annualized)	3.5%	583	2026Q2
Return on Assets (annualized)	1.0%	583	2026Q2
Return on Equity (annualized)	8.1%	583	2026Q2
Total Assets	$62.0M	583	2026Q2
Total Deposits	$53.4M	544	2026Q2
Total Loans and Leases	$34.8M	525	2026Q2

Largest institutions (2026Q2)

CURRIE STATE BANK $100.0M assets, MN · evidence
PEOPLES FIRST SAVINGS BANK $99.9M assets, OH · evidence
INTEGRITY BANK $99.7M assets, KS · evidence
BANK OF CALHOUN COUNTY $99.5M assets, IL · evidence
JANESVILLE STATE BANK $98.8M assets, MN · evidence
SUPERIOR SAVINGS BANK $98.8M assets, WI · evidence
PEOPLES EXCHANGE BANK $98.6M assets, AL · evidence
CITIZENS BANK AND TRUST COMPANY $98.6M assets, MS · evidence
BANK OF WALKER COUNTY $98.5M assets, AL · evidence
INVESTORS COMMUNITY BANK $98.5M assets, MO · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks