Eureka Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Eureka Savings Bank is an FDIC-insured savings bank headquartered in La Salle, IL, established in 1885 (FDIC certificate 28401), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $435.8M, up 3.8% from Q2 2025, the 113th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 38.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28401
- Headquarters
- La Salle, IL
- Established
- 1885
- Total assets, Q2 2026
- $435.8M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 38.19%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 271972310
- Asset rank in state
- 113th of 319 in Illinois
Problem loans are rising at Eureka Savings Bank. It reported $436 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.05% of loans from 1.01% a year earlier. It holds common equity equal to 38.19% of its risk-weighted assets, 2.5 times the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 4.0% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
The commercial and industrial book ($32 million) is worsening: 17.33% of it is past due or on nonaccrual, up from 0.57% a year earlier. Net income for the quarter slipped 19% from a year earlier, to $908,000. Credit is the area to watch: it carries problem assets equal to 8.8% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Eureka Savings Bank reported a CET1 capital ratio of 38.19%, a return on assets of 0.82%, a nonperforming-loan ratio of 3.05% and a Texas ratio of 8.85%. The figures come from its call report filed with the FFIEC.
Eureka Savings Bank ranks as the 113th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $435.8M, loans rose 1.1% and deposits fell 1.4%. 1-4 family residential loans made up 56.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 13.9%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IL; its La Salle office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Eureka Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 250 Marquette St, La Salle, IL 61301
- County
- Lasalle
- Metro Area
- Ottawa, IL
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1885
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $319.5M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $442.1M
- Average total loans
- $266.9M
- Average interest-bearing deposits
- $291.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28401
- Fed RSSD
- 587677
- Website
- http://www.eurekasavings.com →
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
Eureka Savings Bank's total assets moved between a low of $394.4M (Q3 2023) and a high of $439.4M (Q1 2026) from Q3 2023 to 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
$435.8M total assets against $419.7M; $345.3M total liabilities against $335.2M.
$267.5M net loans and leases against $250.5M; $319.5M total deposits against $309.5M.
$120.8M securities against $130.2M; $36.0M cash and balances due against $25.9M.
$5.0M total interest income against $4.5M; $1.4M total interest expense against $1.4M.
$3.6M net interest income against $3.1M.
$267K total noninterest income against $220K; $2.1M total noninterest expense against $2.0M.
$517K provision for credit losses against -$6K.
$908K net income against $1.1M.
0.82% return on assets against 1.05%; 3.39% net interest margin against 3.10%.
38.19% CET1 capital ratio against 39.19%; 21.56% tier 1 leverage ratio against 21.38%.
Inside the full Eureka Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Eureka Savings Bank rankings
Its closest position to the top of a national ranking is 34 of 2,134, for CET1 ratio; its furthest is 2,858 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.82% (Q2 2026) to 1.13% (Q3 2025) and its net interest margin ran from 2.88% (Q3 2024) to 3.39% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.19% | 0.82% | 3.05% | 8.85% | 3.39% |
| Q1 2026 | 38.52% | 0.94% | 0.81% | 2.33% | 3.25% |
| Q4 2025 | 37.48% | 0.87% | 0.89% | 2.59% | 3.22% |
| Q3 2025 | 39.41% | 1.13% | 0.93% | 2.65% | 3.06% |
| Q2 2025 | 39.19% | 1.05% | 1.01% | 2.96% | 3.10% |
| Q1 2025 | 37.87% | 0.93% | 1.11% | 3.21% | 2.88% |
| Q4 2024 | 36.73% | 1.05% | 1.01% | 3.03% | 2.95% |
| Q3 2024 | 36.40% | 0.86% | 1.03% | 3.03% | 2.88% |
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 |
|---|---|---|---|
| Eureka Savings Bank (main office) | La Salle , IL | 61301 | $137.8M |
| Mendota Branch | Mendota , IL | 61342 | $54.1M |
| Oglesby Branch | Oglesby , IL | 61348 | $51.2M |
| Wenona Branch | Wenona , IL | 61377 | $41.3M |
| Peru Branch | Peru , IL | 61354 | $35.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2021 | Structure Change | Acquired Wenona State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 31, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 1989 | Structure Change | Acquired Mendota Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 152 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (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
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Frequently asked about Eureka Savings Bank
What are Eureka Savings Bank's total assets?
As of the Q2 2026 filing, Eureka Savings Bank reported total assets of $435.8 million in its FFIEC call report.
Where is Eureka Savings Bank headquartered?
It is headquartered in La Salle, IL, United States.
When was Eureka Savings Bank founded?
It was established in 1885, per the FDIC institution directory.
Is Eureka Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eureka Savings Bank?
Eureka Savings Bank's primary federal regulator is the FDIC.
What is Eureka Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 38.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Eureka Savings 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 Eureka Savings Bank's Texas Ratio?
Its Texas Ratio is 8.85% 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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