FDIC Cert #10788 · Oglesby, Illinois · Est. 1914

Illini State Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$172M
Total assets
A
Health grade · Excellent
1.04%
Return on assets
13.7%
Tier 1 capital

Data updated July 2026

The verdict

Illini State Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.72% Tier 1, profitable at 1.04% ROA, efficient (59% cost ratio).

#3,200
largest of 4,313 FDIC banks by assets
26th
percentile by asset size, nationally
13.72%
Tier 1 ratio - above the 10% well-capitalized line
46th
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 10788 · IL A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1681/4307
  • PHOTO-FINISH Independence State B… · WI
  • TIER1-WELL 13.7% Tier 1
  • TEXAS-CLEAN 8.4% Texas
  • ROA-PAR 1.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Independence State Bank, WI (±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 Illini State Bank

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

Morgan Stanley Bank,… · UT ·…100/100Hawthorn Bank · MO · near83/100Illini State Bank · IL · thi…83/100Independence State B… · WI ·…83/100United Minnesota Bank · MN ·…83/100Waumandee State Bank · WI · …83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Illini State Bank · July 2026

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

Illini State Bank (FDIC Cert #10788) carries a PlainBankData health grade of A at 83/100, 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 #1,681 of 4,307. Tier 1 capital prints at 13.72%, clearing the 10% well-capitalized line. The Texas Ratio is 8.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $172M, 3,200th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Independence State Bank (WI), 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 Illini State Bank

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

Illini 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 Illini 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 Illini State Bank's 83/100 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 avg77/10083/100
Illini State Bank's composite health score
Tier 1 Capital Ratio (13.72%) 35/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (8.44%) 16/20
Efficiency Ratio (58.60%) 12/15

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

Balance sheet at a glance

Total Assets

$172M

Total balance-sheet footings

Total Deposits

$123M

Customer-funded liabilities

Net Loans

$107M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.32% 13.72% 15.12%
Basel III capital ratios - Illini State Bank

Where Illini State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Illini State Bank's score of 83/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

83 Top 39% higher than 61% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Illini 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

Illini 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). Illini State Bank's $172M falls in the highlighted band.

Capital & credit buffers at Illini State Bank

Tier 1 capital ratio
Well-capitalized 10%

13.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.72%
Texas Ratio
8.44%
Equity Capital
$24M

What these ratios mean →

Earnings posture at Illini State Bank

Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
7.92%
Efficiency Ratio
58.60%

What these mean →

Income & expense at Illini State Bank

$8M
Interest Income
$207K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Illini State Bank reports a Texas Ratio of 8.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Illini 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 ($172M here), outside Illinois so the neighborhood is not state containment.

South Lafourche Bank & Trust Company $173M · LA Atkins Savings Bank & Trust $172M · IA Farmers and Merchants Bank $173M · GA The Warrington Bank $173M · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Illini State Bank (FDIC Cert #10788) - 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.

Illini 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%