FIRST STATE BANK SHANNON-POLO

SHANNON, IL | Small | Est. Jan. 14, 1930, midnight | FDIC #1781 | RSSD #232847 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK SHANNON-POLO is asn small FDIC-insured commercial bank headquartered in SHANNON, IL, established in Jan. 14, 1930, midnight. As of 2025-12-31, the bank reported total assets of $195M and total deposits of $173M. Profitability stands at 1.12% ROA and 14.00% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 13.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.18% and a Texas Ratio of 7.52%. FDIC Certificate #1781.

Assets

$195M

Deposits

$173M

Loans

$110M

Equity

$16M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 14.00%
Net Interest Margin (NIM) 3.20%
Yield on Assets 4.71%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 1.18%
Net Charge-Off Ratio 0.02%
Texas Ratio 7.52%
NPA Ratio 0.66%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 13.48%
Tier 1 Capital 13.48%
Total Capital Ratio 14.42%
Leverage Ratio 9.71%
Loan-to-Deposit 63.27%

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