Total Assets
$183M
Total balance-sheet footings
FDIC Cert #12410 · La Salle, Illinois · Est. 1894
La Salle State Bank - FDIC Bank Health Profile
A community-scale look at La Salle State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $183M
- Total assets
- B
- Health grade · Good
- 0.50%
- Return on assets
- 16.3%
- Tier 1 capital
Data updated July 2026
The verdict
La Salle State Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 16.26% Tier 1, 0.50% ROA, 82% efficiency ratio.
- #3,136
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 16.26%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
FDIC Call Report plate
Cert 12410 · IL B · 74/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-B B (74/100)
- MID-PACK #2637/4307
- PHOTO-FINISH Mechanics & Farmers… · NC
- TIER1-WELL 16.3% Tier 1
- TEXAS-CLEAN 0.6% Texas
- ROA-THIN 0.50% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Illinois: Mechanics & Farmers Bank, NC (±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 La Salle State Bank
Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.
Call Report read for La Salle State Bank in a high-failure state
La Salle State Bank (FDIC Cert #12410) carries a PlainBankData health grade of B at 74/100, 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 #2,637 of 4,307. Tier 1 capital prints at 16.26%, clearing the 10% well-capitalized line. The Texas Ratio is 0.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.50%. Balance-sheet scale is $183M, 3,136th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mechanics & Farmers Bank (NC), 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 La Salle State Bank
71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus
La Salle 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 La Salle 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 La Salle State Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (16.26%) 40/40
Return on Assets (ROA) (0.50%) 14/25
Texas Ratio (0.58%) 20/20
Efficiency Ratio (82.00%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$152M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$916K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where La Salle State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. La Salle State Bank's score of 74/100 falls in the highlighted band.
La Salle State Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
74 39th percentile higher than 39% of 4,307 FDIC-insured banks
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
La Salle 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). La Salle State Bank's $183M falls in the highlighted band.
Capital & credit buffers at La Salle State Bank
Tier 1 capital ratio
Well-capitalized 10%
16.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.26%
Texas Ratio
0.58%
Equity Capital
$11M
Profitability metrics: La Salle State Bank
Return on Assets (ROA)
16th percentile nationally
0.50%
Return on Equity (ROE)
10.23%
Efficiency Ratio
82.00%
Income & expense at La Salle State Bank
$8M
Interest Income
$839K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. La Salle State Bank reports a Texas Ratio of 0.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($183M here), outside Illinois so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) La Salle State Bank (FDIC Cert #12410) - 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.
La Salle 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 →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |