STATE BANK OF TOULON

TOULON, IL | Small | Est. June 20, 1903, midnight | FDIC #12386 | RSSD #535940 | FDIC
Latest Report: 2025-12-31

STATE BANK OF TOULON is asn small FDIC-insured commercial bank headquartered in TOULON, IL, established in June 20, 1903, midnight. As of 2025-12-31, the bank reported total assets of $326M and total deposits of $282M. Profitability stands at 0.80% ROA and 8.07% ROE, with a net interest margin of 3.47%. The bank's CET1 capital ratio is 12.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.62%. FDIC Certificate #12386.

Assets

$326M

Deposits

$282M

Loans

$218M

Equity

$32M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 8.07%
Net Interest Margin (NIM) 3.47%
Yield on Assets 5.42%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio -0.03%
Texas Ratio 0.62%
NPA Ratio 0.06%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 12.27%
Tier 1 Capital 12.27%
Total Capital Ratio 12.98%
Leverage Ratio 10.33%
Loan-to-Deposit 77.15%

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