Campus State Bank
Campus State Bank is an FDIC-insured commercial bank headquartered in Campus, IL, supervised by the FDIC, with $26.4M in total assets at Q3 2026, up 2.8% from Q3 2025, the 311th largest of 319 banks headquartered in Illinois. It was established in 1899 and holds FDIC certificate 10840. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.36% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as CSB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10840
- Headquarters
- Campus, IL
- Established
- 1899
- Total assets, Q3 2026
- $26.4M
- Assets vs Q3 2025
- +2.8%
- Tier 1 leverage ratio, Q3 2026
- 12.36%
- Domestic offices
- 1 branch
- Routing number
- 071112040
- Safety and soundness
- Is Campus State Bank safe?
- Latest call report
- Q3 2026, FFIEC 041 · Campus State Bank call report
- Asset rank in state
- 311th of 319 in Illinois
Campus State Bank, based in Campus, Illinois, reported $26 million in assets at September 30, 2026, up 2.8% from a year earlier. It pays an average of 0.48% on its deposits and borrowings, about a third the median of 1.58% for the 526 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.6%).
Earnings fell sharply: quarterly net income of $53,000 was 45% below a year earlier. Over the same year, loans shrank 6.2% and deposits grew 2.5%.
As of September 30, 2026, Campus State Bank reported a return on assets of 0.82%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Campus State Bank is the 311th largest of the 319 banks headquartered in Illinois. From Q2 2026 to Q3 2026, its total assets rose 0.7% to $26.4M, loans rose 2.4% and deposits rose 0.5%. The largest part of its loan book on September 30, 2026 was agricultural production loans, at 25.7% of total loans, ahead of auto loans at 24.7%. Its one office in the FDIC Summary of Deposits is in Campus, IL. Judged on its Q3 2026 call report, Campus State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 206 Center St, Campus, IL 60920
- County
- Livingston
- Metro Area
- Pontiac, 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
- 1899
- Domestic offices
- 1 branch
- Employees (FTE)
- 4
- Domestic deposits
- $23.1M
- Allowance for credit losses
- $159K
- Net charge-offs (YTD)
- $0
- Average total assets
- $25.9M
- Average total loans
- $13.7M
- Average interest-bearing deposits
- $14.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10840
- Fed RSSD
- 424437
- Website
- www.campustatebank.com →
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Campus State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Campus State Bank's total assets ranged from $24.7M (Q4 2024) to $27.5M (Q4 2023), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$26.4M total assets against $25.7M; $23.2M total liabilities against $22.6M.
$15.1M net loans and leases against $16.1M; $23.1M total deposits against $22.5M.
$7.0M securities against $4.0M; $4.0M cash and balances due against $5.2M.
$345K total interest income against $347K; $27K total interest expense against $32K.
$318K net interest income against $315K.
$11K total noninterest income against $11K; $249K total noninterest expense against $237K.
-$1K provision for credit losses against -$7K.
$53K net income against $96K.
0.82% return on assets against 1.49%; 4.90% net interest margin against 4.98%.
12.36% tier 1 leverage ratio against 11.84%.
Inside the full Campus State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.00% (Q4 2025) to 2.15% (Q1 2026) and its net interest margin ran from 4.58% (Q2 2026) to 5.30% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.36% | 0.82% | 0.00% | 0.00% | 4.90% |
| Q2 2026 | 12.28% | 0.70% | 0.00% | 0.00% | 4.58% |
| Q1 2026 | 12.01% | 2.15% | 0.00% | 0.00% | 5.30% |
| Q4 2025 | 11.72% | 0.00% | 0.00% | 0.00% | 5.12% |
| Q3 2025 | 11.84% | 1.49% | 0.00% | 0.00% | 4.98% |
| Q2 2025 | 11.63% | 0.57% | 0.00% | 0.00% | 4.88% |
| Q1 2025 | 11.30% | 1.56% | 0.00% | 0.00% | 5.14% |
| Q4 2024 | 10.78% | 0.23% | 0.00% | 0.00% | 4.94% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Campus State Bank (main office) | Campus , IL | 60920 | $23.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 366 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Campus State Bank
What are Campus State Bank's total assets?
As of the Q3 2026 filing, Campus State Bank reported total assets of $26.4 million in its FFIEC call report.
Where is Campus State Bank headquartered?
It is headquartered in Campus, IL, United States.
When was Campus State Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Campus State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Campus State Bank?
Campus State Bank's primary federal regulator is the FDIC.
How many branches does Campus State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Campus State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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