BanksSTATE BANK OF TOULON

STATE BANK OF TOULON

TOULON, ILSmallEst. June 20, 1903, midnightFDIC #12386RSSD #535940FDIC
Latest · 2025-12-31

STATE BANK OF TOULON is an 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%. CET1 capital ratio: 12.27%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.62%. Operates 3 domestic branches.

Assets
$326M
Deposits
$282M
Loans
$218M
Equity
$32M

Profitability

Return on Assets (ROA)0.80%
Return on Equity (ROE)8.07%
Net Interest Margin3.47%
Yield on Assets5.42%
Cost of Funds2.07%

Asset Quality

NPL Ratio0.10%
Net Charge-Off Ratio-0.03%
Texas Ratio0.62%
NPA Ratio0.06%
ACL / Loans0.86%

Capital & Liquidity

CET1 Ratio12.27%
Tier 1 Capital12.27%
Total Capital Ratio12.98%
Leverage Ratio10.33%
Loan-to-Deposit77.15%

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