FDIC Cert #12098 · Dongola, Illinois · Est. 1906

The First State Bank of Dongola - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$33M
Total assets
B
Health grade · Good
0.80%
Return on assets
19.4%
Tier 1 capital

Data updated July 2026

The verdict

The First State Bank of Dongola earns a PlainBankData health grade of B (74/100), with well-capitalized at 19.36% Tier 1, 0.80% ROA, 82% efficiency ratio.

#4,224
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
19.36%
Tier 1 ratio - above the 10% well-capitalized line
29th
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 12098 · IL B · 74/100

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

  • GRADE-B B (74/100)
  • MID-PACK #2685/4307
  • PHOTO-FINISH The Farmers Bank of… · KY
  • TIER1-WELL 19.4% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-PAR 0.80% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: The Farmers Bank of Milton, KY (±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 The First State Bank of Dongola

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

Morgan Stanley Bank,… · UT ·…100/100Mechanics & Farmers… · NC · …74/100Richton Bank & Trust… · MS ·…74/100The Farmers Bank of… · KY · …74/100The First State Bank… · IL ·…74/100West Point Bank · KY · near74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First State Bank of Dongola · July 2026

Call Report read for The First State Bank of Dongola in a high-failure state

The First State Bank of Dongola (FDIC Cert #12098) 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 #2,685 of 4,307. Tier 1 capital prints at 19.36%, clearing the 10% well-capitalized line. The Texas Ratio is 1.31%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.80%. Balance-sheet scale is $33M, 4,224th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Farmers Bank of Milton (KY), 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 The First State Bank of Dongola

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

The First State Bank of Dongola 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 The First State Bank of Dongola'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 The First State Bank of Dongola'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.

0/100100/100National avg77/10074/100
The First State Bank of Dongola's composite health score
Tier 1 Capital Ratio (19.36%) 40/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (1.31%) 20/20
Efficiency Ratio (82.46%) 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 Assets

$33M

Total balance-sheet footings

Total Deposits

$29M

Customer-funded liabilities

Net Loans

$17M

Outstanding loan book

Net Income

$259K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.96% 19.36% 20.76%
Basel III capital ratios - The First State Bank of Dongola

Where The First State Bank of Dongola ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First State Bank of Dongola's score of 74/100 falls in the highlighted band.

The First State Bank of Dongola: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% 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. The First State Bank of Dongola 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

The First State Bank of Dongola'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). The First State Bank of Dongola's $33M falls in the highlighted band.

Capital & credit buffers at The First State Bank of Dongola

Tier 1 capital ratio
Well-capitalized 10%

19.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.36%
Texas Ratio
1.31%
Equity Capital
$3M

What these ratios mean →

Profitability metrics: The First State Bank of Dongola

Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
8.07%
Efficiency Ratio
82.46%

What these mean →

Income & expense at The First State Bank of Dongola

$2M
Interest Income
$273K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First State Bank of Dongola reports a Texas Ratio of 1.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First State Bank of Dongola 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 ($33M here), outside Illinois so the neighborhood is not state containment.

Lake Country Community Bank $33M · MN The Marion National Bank $33M · KS Martinsville First Savings Bank $32M · VA First Progressive Bank $32M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First State Bank of Dongola (FDIC Cert #12098) - 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.

The First State Bank of Dongola 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%