MILLEDGEVILLE STATE BANK

MILLEDGEVILLE, IL | Small | Est. Jan. 2, 1942, midnight | FDIC #15873 | RSSD #895448 | FDIC
Latest Report: 2025-12-31

MILLEDGEVILLE STATE BANK is asn small FDIC-insured commercial bank headquartered in MILLEDGEVILLE, IL, established in Jan. 2, 1942, midnight. As of 2025-12-31, the bank reported total assets of $211M and total deposits of $164M. Profitability stands at 1.06% ROA and 10.98% ROE, with a net interest margin of 3.01%. The bank's CET1 capital ratio is 14.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 1.76%. FDIC Certificate #15873.

Assets

$211M

Deposits

$164M

Loans

$136M

Equity

$20M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 10.98%
Net Interest Margin (NIM) 3.01%
Yield on Assets 6.00%
Cost of Funds 3.08%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.27%
Texas Ratio 1.76%
NPA Ratio 0.18%
ACL / Loans 0.81%

Capital & Liquidity

CET1 Ratio 14.24%
Tier 1 Capital 14.24%
Total Capital Ratio 14.93%
Leverage Ratio 10.87%
Loan-to-Deposit 83.07%

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