FDIC Cert #10809 · Van Orin, Illinois · Est. 1919

First State Bank of Van Orin - FDIC Bank Health Profile

A community-scale look at First State Bank of Van Orin's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$42M
Total assets
B
Health grade · Good
0.59%
Return on assets
27.4%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank of Van Orin earns a PlainBankData health grade of B (78/100), with well-capitalized at 27.39% Tier 1, 0.59% ROA, 73% efficiency ratio.

#4,176
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
27.39%
Tier 1 ratio - above the 10% well-capitalized line
19th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10809 · IL B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2282/4307
  • PHOTO-FINISH The Andover Bank · OH
  • TIER1-WELL 27.4% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-THIN 0.59% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: The Andover Bank, OH (±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 First State Bank of Van Orin

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

Morgan Stanley Bank,… · UT ·…100/100Dundee Bank · NE · near78/100First State Bank of… · IL · …78/100Grinnell State Bank · IA · n…78/100The Andover Bank · OH · near78/100The First State Bank · KS · …78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank of Van Orin · July 2026

Call Report read for First State Bank of Van Orin in a high-failure state

First State Bank of Van Orin (FDIC Cert #10809) carries a PlainBankData health grade of B at 78/100, 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 #2,282 of 4,307. Tier 1 capital prints at 27.39%, clearing the 10% well-capitalized line. The Texas Ratio is 0.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.59%. Balance-sheet scale is $42M, 4,176th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Andover Bank (OH), 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 First State Bank of Van Orin

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

First State Bank of Van Orin 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 First State Bank of Van Orin'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 First State Bank of Van Orin's 78/100 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 avg77/10078/100
First State Bank of Van Orin's composite health score
Tier 1 Capital Ratio (27.39%) 40/40
Return on Assets (ROA) (0.59%) 14/25
Texas Ratio (0.16%) 20/20
Efficiency Ratio (73.12%) 4/15

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

Balance sheet at a glance

Total Assets

$42M

Total balance-sheet footings

Total Deposits

$37M

Customer-funded liabilities

Net Loans

$11M

Outstanding loan book

Net Income

$256K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 25.99% 27.39% 28.79%
Basel III capital ratios - First State Bank of Van Orin

Where First State Bank of Van Orin ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Van Orin's score of 78/100 falls in the highlighted band.

First State Bank of Van Orin: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 47th percentile higher than 47% 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%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank of Van Orin 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

First State Bank of Van Orin'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). First State Bank of Van Orin's $42M falls in the highlighted band.

Capital & credit buffers at First State Bank of Van Orin

Tier 1 capital ratio
Well-capitalized 10%

27.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
27.39%
Texas Ratio
0.16%
Equity Capital
$4M

What these ratios mean →

Profitability metrics: First State Bank of Van Orin

Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
6.82%
Efficiency Ratio
73.12%

What these mean →

Income & expense at First State Bank of Van Orin

$2M
Interest Income
$80K
Non-Interest Income
$861K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Van Orin reports a Texas Ratio of 0.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank of Van Orin 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 ($42M here), outside Illinois so the neighborhood is not state containment.

Union State Bank $42M · KS Defiance State Bank $42M · IA Black Mountain Savings Bank, SSB $42M · NC Home Savings Bank of Wapakoneta $41M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Van Orin (FDIC Cert #10809) - 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.

First State Bank of Van Orin 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%