Total Assets
$249M
Total balance-sheet footings
FDIC Cert #10438 · Raritan, Illinois · Est. 1920
Raritan State Bank - FDIC Bank Health Profile
A community-scale look at Raritan State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $249M
- Total assets
- B
- Health grade · Good
- 0.97%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Raritan State Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.46% Tier 1, 0.97% ROA, efficient (56% cost ratio).
- #2,739
- largest of 4,313 FDIC banks by assets
- 36th
- percentile by asset size, nationally
- 11.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 40th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Raritan State Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Raritan State Bank's composite health score
Tier 1 Capital Ratio (11.46%) 28/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (7.18%) 16/20
Efficiency Ratio (55.53%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$220M
Customer-funded liabilities
Net Loans
$180M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Raritan State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Raritan State Bank's score of 70/100 falls in the highlighted band.
Raritan 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). Raritan State Bank's $249M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.46%
Texas Ratio
7.18%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.97%
Return on Equity (ROE)
9.11%
Efficiency Ratio
55.53%
What the numbers say about Raritan State Bank
Raritan State Bank is an FDIC-insured institution (Certificate #10438) headquartered in Raritan, Illinois, established in 1920. It holds $249M in total assets - 2,739th of 4,313 FDIC-insured banks, $220M in customer deposits, and $180M in net loans. Its capital position: a Tier 1 ratio of 11.46%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.18% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Raritan State Bank sits 175th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$541K
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. Raritan State Bank reports a Texas Ratio of 7.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Raritan State Bank (FDIC Cert #10438) - 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.
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% |
Frequently asked questions
What is Raritan State Bank's health grade?▼
Raritan State Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Raritan State Bank?▼
Raritan State Bank holds $249M in total assets and $220M in deposits, ranking 2,739th of 4,313 FDIC-insured banks by asset size. It is headquartered in Raritan, Illinois.
Is my money safe at Raritan State Bank?▼
Yes, deposits at Raritan State Bank (Certificate #10438) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Raritan State Bank's Tier 1 Capital Ratio?▼
Raritan State Bank has a Tier 1 Capital Ratio of 11.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Raritan State Bank?▼
Raritan State Bank has a Texas Ratio of 7.18%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Raritan State Bank?▼
Raritan State Bank has an Efficiency Ratio of 55.53%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Raritan State Bank's profile as a depositor or analyst.
- Raritan State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Raritan State Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.