Du Quoin State Bank
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Data as of · sourced from FFIEC call reports. How we update
Du Quoin State Bank is an FDIC-insured commercial bank headquartered in Du Quoin, IL, established in 1915 (FDIC certificate 10804), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $148.2M, up 11.4% from Q2 2025, the 229th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 25.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10804
- Headquarters
- Du Quoin, IL
- Established
- 1915
- Total assets, Q2 2026
- $148.2M
- Assets vs Q2 2025
- +11.4%
- CET1 ratio, Q2 2026
- 25.11%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081903715
- Holding company
- PERRY COUNTY BANCORP INC.
- Asset rank in state
- 229th of 319 in Illinois
Du Quoin State Bank is one of the more profitable banks of its size. The Du Quoin, Illinois bank had $148 million in assets at June 30, 2026, up 11.4% from a year earlier. It returns 24.9% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion 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 2.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.6 million equal 61% of Tier 1 capital, down from 87% a year earlier. Net income for the quarter slipped 17% from a year earlier, to $316,000. Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Du Quoin State Bank reported a CET1 capital ratio of 25.11%, a return on assets of 0.87%, 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 Q2 2026, Du Quoin State Bank is the 229th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 3.6% to $148.2M, loans rose 0.7% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 38.2%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Du Quoin 2 offices book 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Du Quoin State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 E Main St, Du Quoin, IL 62832
- County
- Perry
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 17, 1915
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $136.3M
- Allowance for credit losses
- $685K
- Net charge-offs (YTD)
- $0
- Average total assets
- $144.8M
- Average total loans
- $47.5M
- Average interest-bearing deposits
- $107.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10804
- Fed RSSD
- 823142
- Website
- www.duquoinstatebank.com →
- Parent Holding Company
- PERRY COUNTY BANCORP INC. (RSSD 1099748)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Du Quoin State Bank's total assets ranged from $119.4M (Q3 2023) to $148.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$148.2M total assets against $133.1M; $142.2M total liabilities against $131.0M.
$46.7M net loans and leases against $43.0M; $136.3M total deposits against $124.6M.
$89.6M securities against $73.1M; $9.0M cash and balances due against $14.3M.
$1.7M total interest income against $1.7M; $573K total interest expense against $549K.
$1.2M net interest income against $1.1M.
$129K total noninterest income against $238K; $964K total noninterest expense against $968K.
$8K provision for credit losses against $8K.
$316K net income against $382K.
0.87% return on assets against 1.12%; 3.26% net interest margin against 3.31%.
25.11% CET1 capital ratio against 24.76%; 10.78% tier 1 leverage ratio against 10.97%.
Inside the full Du Quoin State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDu Quoin State Bank rankings
Its closest position to the top of a national ranking is 146 of 2,134, for CET1 ratio; its furthest is 3,574 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q4 2025) to 1.12% (Q2 2025) and its net interest margin ran from 3.09% (Q1 2025) to 3.41% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.11% | 0.87% | 0.00% | 0.00% | 3.26% |
| Q1 2026 | 24.31% | 0.95% | 0.00% | 0.00% | 3.22% |
| Q4 2025 | 24.24% | 0.50% | 0.08% | 0.57% | 3.14% |
| Q3 2025 | 24.76% | 1.09% | 0.08% | 0.68% | 3.20% |
| Q2 2025 | 24.76% | 1.12% | 0.10% | 1.57% | 3.31% |
| Q1 2025 | 24.18% | 0.87% | 0.11% | 20.10% | 3.09% |
| Q4 2024 | 24.08% | 1.12% | 1.47% | 18.04% | 3.41% |
| Q3 2024 | 24.02% | 0.97% | 1.49% | 10.05% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Du Quoin State Bank (main office) | Du Quoin , IL | 62832 | $136.3M |
| Southtowne Facility Branch | Du Quoin , IL | 62832 | $0 |
| Tamaroa Branch | Tamaroa , IL | 62888 | $0 |
| De Soto Branch | De Soto , IL | 62924 | $0 |
| Sesser Branch | Sesser , IL | 62884 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve). These actions name the parent holding company, PERRY COUNTY BANCORP INC., not the bank itself
- April 26, 2023, Federal Reserve: Written Agreement: Perry County Bancorp Inc., Du Quoin, Illinois and Du Quoin State Bank, Du Quoin, Illinois
- April 12, 1993, Federal Reserve: Written Agreement: Perry County Bancorp, Inc., and DuQuoin State Bank, DuQuoin, IL
- Period: Most recent institution action April 26, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 263 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $600K approved, $600K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
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Frequently asked about Du Quoin State Bank
What are Du Quoin State Bank's total assets?
As of the Q2 2026 filing, Du Quoin State Bank reported total assets of $148.2 million in its FFIEC call report.
Where is Du Quoin State Bank headquartered?
It is headquartered in Du Quoin, IL, United States.
When was Du Quoin State Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Du Quoin State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10804). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Du Quoin State Bank?
Du Quoin State Bank's primary federal regulator is the Federal Reserve.
What is Du Quoin State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Du Quoin State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Du Quoin State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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