Total Assets
$142M
Total balance-sheet footings
FDIC Cert #11317 · Salem, Illinois · Est. 1910
The Iuka State Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $142M
- Total assets
- F
- Health grade · At Risk
- -0.33%
- Return on assets
- 9.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Iuka State Bank earns a PlainBankData health grade of F (26/100), with 9.47% Tier 1 capital, -0.33% ROA, 72% efficiency ratio.
- #3,415
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 9.47%
- Tier 1 ratio - below the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 11317 · IL F · 26/100
GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-F F (26/100)
- BOTTOM-DECILE #4283/4307
- PHOTO-FINISH The First State Bank… · MN
- TIER1-ADEQ 9.5% Tier 1
- TEXAS-HEALTHY 39.4% Texas
- ROA-LOSS -0.33% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Illinois: The First State Bank of Rosemount, MN (±1 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 Iuka State Bank
Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.
Call Report read for The Iuka State Bank in a high-failure state
The Iuka State Bank (FDIC Cert #11317) carries a PlainBankData health grade of F at 26/100, 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 #4,283 of 4,307. Tier 1 capital prints at 9.47%, missing the 10% well-capitalized line. The Texas Ratio is 39.38%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.33%. Balance-sheet scale is $142M, 3,415th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First State Bank of Rosemount (MN), ±1 health points away. 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 Iuka State Bank
71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus
The Iuka 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 The Iuka 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 The Iuka State Bank's 26/100 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 (9.47%) 18/40
Return on Assets (ROA) (-0.33%) 0/25
Texas Ratio (39.38%) 4/20
Efficiency Ratio (72.14%) 4/15
26 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$102M
Customer-funded liabilities
Net Loans
$115M
Outstanding loan book
Net Income
$-467K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Iuka State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Iuka State Bank's score of 26/100 falls in the highlighted band.
The Iuka State Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
26 1st percentile higher than 1% 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
The Iuka 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). The Iuka State Bank's $142M falls in the highlighted band.
Capital & credit buffers at The Iuka State Bank
Tier 1 capital ratio
Well-capitalized 10%
9.47% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.47%
Texas Ratio
39.38%
Equity Capital
$13M
Profitability metrics: The Iuka State Bank
Return on Assets (ROA)
3rd percentile nationally
-0.33%
Return on Equity (ROE)
-3.49%
Efficiency Ratio
72.14%
Income & expense: loss period at The Iuka State Bank
$10M
Interest Income
$33K
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. The Iuka State Bank reports a Texas Ratio of 39.38% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
39.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at The Iuka State Bank
The Iuka State Bank's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-467K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.47% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Iuka State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Illinois by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($142M here), outside Illinois so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Iuka State Bank (FDIC Cert #11317) - 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 Iuka 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% |