Bank of Stronghurst
BankRegReports is independent of Bank of Stronghurst and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Stronghurst is an FDIC-insured commercial bank headquartered in Stronghurst, IL, established in 1946 (FDIC certificate 16413), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $87.6M, up 0.6% from Q2 2025, the 268th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16413
- Headquarters
- Stronghurst, IL
- Established
- 1946
- Total assets, Q2 2026
- $87.6M
- Assets vs Q2 2025
- +0.6%
- Tier 1 leverage ratio, Q2 2026
- 14.17%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071122030
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Stronghurst call report
- Asset rank in state
- 268th of 319 in Illinois
Problem loans are rising at Bank of Stronghurst. The Stronghurst, Illinois bank had $88 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.69% of loans from 0.59% a year earlier. It keeps 2.79 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 3.87 cents). It also carries problem assets equal to 7.5% of the capital and reserves that would absorb them, 5.4 times the median of 1.4% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $4.3 million equal 33% of Tier 1 capital, down from 45% a year earlier. Net income for the quarter rose 21% from a year earlier, to $99,000. Profitability lags: it earns about $0.44 a year on every $100 of assets, about a third the median of $1.06 for banks its size.
As of June 30, 2026, Bank of Stronghurst reported a return on assets of 0.44%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 7.51%. The figures come from its call report filed with the FFIEC.
Bank of Stronghurst ranks as the 268th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $87.6M, loans rose 3.2% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 40.8% of total loans, ahead of agricultural production loans at 19.8%. The FDIC Summary of Deposits lists 3 offices for it, in Stronghurst, IL, Dallas City, IL and Lomax, IL; its Stronghurst office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Stronghurst meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 108 E Main St, Stronghurst, IL 61480
- County
- Henderson
- Metro Area
- Burlington, IA-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 27, 1946
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $77.8M
- Allowance for credit losses
- $481K
- Net charge-offs (YTD)
- $0
- Average total assets
- $90.9M
- Average total loans
- $40.0M
- Average interest-bearing deposits
- $67.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 27, 1946
- FDIC Cert
- 16413
- Fed RSSD
- 593940
- Website
- www.bankofstronghurst.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Stronghurst reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Stronghurst's total assets ran between $83.9M (Q3 2024) and $87.6M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$87.6M total assets against $87.2M; $78.1M total liabilities against $78.9M.
$40.6M net loans and leases against $40.4M; $77.8M total deposits against $77.7M.
$35.7M securities against $38.1M; $8.6M cash and balances due against $5.6M.
$886K total interest income against $875K; $296K total interest expense against $320K.
$590K net interest income against $555K.
$30K total noninterest income against $28K; $525K total noninterest expense against $488K.
$0 provision for credit losses against $10K.
$99K net income against $82K.
0.44% return on assets against 0.36%; 2.79% net interest margin against 2.61%.
14.17% tier 1 leverage ratio against 13.87%.
Inside the full Bank of Stronghurst terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Stronghurst rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.12% (Q3 2024) to 0.47% (Q3 2025) and its net interest margin ran from 2.25% (Q3 2024) to 2.93% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.17% | 0.44% | 1.69% | 7.51% | 2.79% |
| Q1 2026 | 14.23% | 0.42% | 1.11% | 4.96% | 2.77% |
| Q4 2025 | 14.31% | 0.31% | 1.10% | 5.29% | 2.91% |
| Q3 2025 | 14.19% | 0.47% | 1.68% | 7.95% | 2.93% |
| Q2 2025 | 13.87% | 0.36% | 0.59% | 3.42% | 2.61% |
| Q1 2025 | 14.02% | 0.30% | 0.67% | 2.87% | 2.36% |
| Q4 2024 | 13.95% | 0.34% | 1.44% | 6.56% | 2.66% |
| Q3 2024 | 14.02% | 0.12% | 0.65% | 2.68% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Stronghurst (main office) | Stronghurst , IL | 61480 | $56.4M |
| Dallas City Branch | Dallas City , IL | 62330 | $15.4M |
| Lomax Banking Center Branch | Lomax , IL | 61454 | $6.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 315 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Stronghurst’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of Stronghurst
What are Bank of Stronghurst's total assets?
As of the Q2 2026 filing, Bank of Stronghurst reported total assets of $87.6 million in its FFIEC call report.
Where is Bank of Stronghurst headquartered?
It is headquartered in Stronghurst, IL, United States.
When was Bank of Stronghurst founded?
It was established in 1946, per the FDIC institution directory.
Is Bank of Stronghurst FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16413). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Stronghurst?
Bank of Stronghurst's primary federal regulator is the FDIC.
How many branches does Bank of Stronghurst operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Stronghurst's Texas Ratio?
Its Texas Ratio is 7.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bank of Stronghurst.
Get an email when Bank of Stronghurst files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Stronghurst, freeFree account