RARITAN STATE BANK

RARITAN, IL | Small | Est. Jan. 1, 1920, midnight | FDIC #10438 | RSSD #749943 | FDIC
Latest Report: 2025-12-31

RARITAN STATE BANK is asn small FDIC-insured commercial bank headquartered in RARITAN, IL, established in Jan. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $249M and total deposits of $220M. Profitability stands at 1.00% ROA and 9.00% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 11.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 8.10%. FDIC Certificate #10438. The institution operates 1 domestic branch.

Assets

$249M

Deposits

$220M

Loans

$182M

Equity

$28M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 9.00%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.99%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.16%
Texas Ratio 8.10%
NPA Ratio 0.96%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 11.14%
Tier 1 Capital 11.14%
Total Capital Ratio 11.69%
Leverage Ratio 11.46%
Loan-to-Deposit 82.73%

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