FLANAGAN STATE BANK

FLANAGAN, IL | Small | Est. Jan. 1, 1913, midnight | FDIC #11734 | RSSD #979133 | FDIC
Latest Report: 2025-12-31

FLANAGAN STATE BANK is asn small FDIC-insured commercial bank headquartered in FLANAGAN, IL, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $312M and total deposits of $277M. Profitability stands at 0.96% ROA and 15.31% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 11.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.54%. FDIC Certificate #11734.

Assets

$312M

Deposits

$277M

Loans

$195M

Equity

$20M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 15.31%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.32%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.54%
NPA Ratio 0.11%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 11.92%
Tier 1 Capital 11.92%
Total Capital Ratio 12.66%
Leverage Ratio 8.78%
Loan-to-Deposit 70.35%

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