FDIC Cert #10471 · Camp Grove, Illinois · Est. 1902

Camp Grove State Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$58M
Total assets
D
Health grade · Weak
0.09%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

Camp Grove State Bank earns a PlainBankData health grade of D (45/100), with 9.73% Tier 1 capital, 0.09% ROA, 103% efficiency ratio.

#4,072
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
9.73%
Tier 1 ratio - below the 10% well-capitalized line
6th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 10471 · IL D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4211/4307
  • PHOTO-FINISH Citizens Progressive… · LA
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.09% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Citizens Progressive Bank, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Camp Grove State Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American State Bank · TX · n…45/100Apex Banking Company… · GA ·…45/100Banner Banks · WI · near45/100Camp Grove State Bank · IL ·…45/100Citizens Progressive… · LA ·…45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Camp Grove State Bank · July 2026

Call Report read for Camp Grove State Bank in a high-failure state

Camp Grove State Bank (FDIC Cert #10471) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,211 of 4,307. Tier 1 capital prints at 9.73%, missing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.09%. Balance-sheet scale is $58M, 4,072nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Progressive Bank (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Camp Grove State Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Camp Grove State Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Camp Grove State Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Camp Grove State Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Camp Grove State Bank's composite health score
Tier 1 Capital Ratio (9.73%) 18/40
Return on Assets (ROA) (0.09%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (102.87%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$58M

Total balance-sheet footings

Total Deposits

$42M

Customer-funded liabilities

Net Loans

$15M

Outstanding loan book

Net Income

$54K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.33% 9.73% 11.13%
Basel III capital ratios - Camp Grove State Bank

Where Camp Grove State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Camp Grove State Bank's score of 45/100 falls in the highlighted band.

Camp Grove State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Camp Grove State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Camp Grove State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Camp Grove State Bank's $58M falls in the highlighted band.

Capital & credit buffers at Camp Grove State Bank

Tier 1 capital ratio
Well-capitalized 10%

9.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.73%
Texas Ratio
0.00%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Camp Grove State Bank

Return on Assets (ROA)
6th percentile nationally
0.09%
Return on Equity (ROE)
0.88%
Efficiency Ratio
102.87%

What these mean →

Income & expense at Camp Grove State Bank

$3M
Interest Income
$4K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Camp Grove State Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Camp Grove State Bank

Camp Grove State Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.73% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Camp Grove State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Camp Grove State Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($58M here), outside Illinois so the neighborhood is not state containment.

Farmers and Merchants Bank of Mound C… $58M · KS State Bank of Scotia $58M · NE Swedish-American State Bank $58M · KS Blue Grass Federal Savings and Loan A… $57M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Camp Grove State Bank (FDIC Cert #10471) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Camp Grove State Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%