Campus State Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Campus State Bank reported 19 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 12.36% in Q3 2026, up 0.52 percentage points from 11.84% in Q3 2025. Across the 12 quarters shown it ranged from 10.01% (Q4 2023) to 12.36% (Q3 2026).
Securities to assets climbed 3.62 percentage points in Q3 2026, from 22.72% to 26.34%. It was the largest change from Q2 2026 among the key lines here. Within Illinois, Campus State Bank is 228th of 319 on return on assets, 0.82% as of Q3 2026. The median for banks in the < $100M asset tier is 0.98% on return on assets. Campus State Bank sits 0.16 points lower, at 0.82% (Q3 2026).
Capital adequacy
Equity capital to assets changed the most here, up 0.12 points to 12.12% in Q3 2026 from 12.00% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 12.36% |
| Equity capital to assets | 12.12% |
| Tangible equity to tangible assets | 12.12% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
Largest change in this table: allowance for credit losses to loans, down 0.03 points to 1.04% in Q3 2026 after 1.07% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of nonperforming loans | — |
Earnings
Efficiency ratio changed the most here, down 9.67 points to 75.38% in Q3 2026 from 85.05% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 6.68% |
| Net interest margin | 4.90% |
| Efficiency ratio | 75.38% |
| Yield on earning assets | 5.32% |
| Cost of funds | 0.48% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 66.05% |
| Core deposits to total deposits | 97.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.41% |
| Securities to assets | 26.34% |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 10.01% | -1.06% | 4.07% | 0.00% | 0.00% |
| Q1 2024 | 10.16% | 1.41% | 4.05% | 0.00% | 0.00% |
| Q2 2024 | 10.41% | 0.69% | 5.09% | 0.00% | 0.00% |
| Q3 2024 | 10.68% | 1.19% | 4.71% | 0.00% | 0.00% |
| Q4 2024 | 10.78% | 0.23% | 4.94% | 0.00% | 0.00% |
| Q1 2025 | 11.30% | 1.56% | 5.14% | 0.00% | 0.00% |
| Q2 2025 | 11.63% | 0.57% | 4.88% | 0.00% | 0.00% |
| Q3 2025 | 11.84% | 1.49% | 4.98% | 0.00% | 0.00% |
| Q4 2025 | 11.72% | 0.00% | 5.12% | 0.00% | 0.00% |
| Q1 2026 | 12.01% | 2.15% | 5.30% | 0.00% | 0.00% |
| Q2 2026 | 12.28% | 0.70% | 4.58% | 0.00% | 0.00% |
| Q3 2026 | 12.36% | 0.82% | 4.90% | 0.00% | 0.00% |
Campus State Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Campus State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 10840) · FFIEC NIC profile (RSSD 424437)