ILLINI STATE BANK

TONICA, IL | Small | Est. Feb. 14, 1914, midnight | FDIC #10788 | RSSD #180845 | FED
Latest Report: 2025-12-31

ILLINI STATE BANK is asn small FDIC-insured commercial bank headquartered in TONICA, IL, established in Feb. 14, 1914, midnight. As of 2025-12-31, the bank reported total assets of $172M and total deposits of $123M. Profitability stands at 1.04% ROA and 7.48% ROE, with a net interest margin of 2.94%. The bank's CET1 capital ratio is 9.23%. Asset quality metrics show a non-performing loan ratio of 1.94% and a Texas Ratio of 8.44%. FDIC Certificate #10788.

Assets

$172M

Deposits

$123M

Loans

$108M

Equity

$24M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 7.48%
Net Interest Margin (NIM) 2.94%
Yield on Assets 5.05%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 1.94%
Net Charge-Off Ratio --
Texas Ratio 8.44%
NPA Ratio 1.22%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 9.23%
Tier 1 Capital 9.23%
Total Capital Ratio 9.69%
Leverage Ratio 13.72%
Loan-to-Deposit 87.74%

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