STATE BANK OF WHITTINGTON

BENTON, IL | Small | Est. Aug. 5, 1919, midnight | FDIC #19689 | RSSD #270148 | FDIC
Latest Report: 2025-12-31

STATE BANK OF WHITTINGTON is asn small FDIC-insured commercial bank headquartered in BENTON, IL, established in Aug. 5, 1919, midnight. As of 2025-12-31, the bank reported total assets of $177M and total deposits of $158M. Profitability stands at 1.08% ROA and 10.59% ROE, with a net interest margin of 4.66%. The bank's CET1 capital ratio is 15.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.82% and a Texas Ratio of 5.02%. FDIC Certificate #19689.

Assets

$177M

Deposits

$158M

Loans

$120M

Equity

$18M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 10.59%
Net Interest Margin (NIM) 4.66%
Yield on Assets 5.59%
Cost of Funds 0.96%

Asset Quality

NPL Ratio 0.82%
Net Charge-Off Ratio 0.62%
Texas Ratio 5.02%
NPA Ratio 0.56%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 15.38%
Tier 1 Capital 15.38%
Total Capital Ratio 16.30%
Leverage Ratio 11.35%
Loan-to-Deposit 75.68%

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