First State Bank of Campbell Hill
BankRegReports is independent of First State Bank of Campbell Hill and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First State Bank of Campbell Hill is an FDIC-insured commercial bank headquartered in Campbell Hill, IL, established in 1921 (FDIC certificate 10799), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $160.1M, up 0.6% from Q2 2025, the 222nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 21.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10799
- Headquarters
- Campbell Hill, IL
- Established
- 1921
- Total assets, Q2 2026
- $160.1M
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 21.75%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081220524
- Latest call report
- Q2 2026, FFIEC 041 · First State Bank of Campbell Hill call report
- Holding company
- CAMPBELL HILL BANCSHARES, INC.
- Asset rank in state
- 222nd of 319 in Illinois
Problem loans are rising at First State Bank of Campbell Hill. It reported $160 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.59% of loans from 0.40% a year earlier. It holds commercial real estate loans equal to only 32% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 15% from a year earlier, to $690,000. The commercial and industrial book ($15 million) is worsening: 1.15% of it is past due or on nonaccrual, up from 0.65% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, about triple the median of 2.7% for banks its size.
As of June 30, 2026, First State Bank of Campbell Hill reported a CET1 capital ratio of 21.75%, a return on assets of 1.71%, a nonperforming-loan ratio of 1.59% and a Texas ratio of 8.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank of Campbell Hill is the 222nd largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $160.1M, loans rose 1.4% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.8% of total loans, ahead of farmland and other real estate loans at 20.1%. The FDIC Summary of Deposits lists 3 offices for it, in Campbell Hill, IL, Coulterville, IL and Steeleville, IL; its Campbell Hill office books 58% of its branch deposits. On its Q2 2026 call report, First State Bank of Campbell Hill meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 114 W Front St, Campbell Hill, IL 62916
- County
- Jackson
- Metro Area
- Carbondale, 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1921
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $136.8M
- Allowance for credit losses
- $969K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $161.4M
- Average total loans
- $106.0M
- Average interest-bearing deposits
- $112.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10799
- Fed RSSD
- 698546
- Website
- www.fsbch.com →
- Parent Holding Company
- CAMPBELL HILL BANCSHARES, INC. (RSSD 1427387)
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
First State Bank of Campbell Hill's total assets moved between a low of $153.0M (Q3 2023) and a high of $161.0M (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
$160.1M total assets against $159.1M; $138.7M total liabilities against $139.4M.
$106.1M net loans and leases against $104.2M; $136.8M total deposits against $137.7M.
$34.3M securities against $31.9M; $13.1M cash and balances due against $16.7M.
$2.1M total interest income against $2.0M; $439K total interest expense against $453K.
$1.7M net interest income against $1.5M.
$166K total noninterest income against $146K; $878K total noninterest expense against $843K.
$30K provision for credit losses against $20K.
$690K net income against $599K.
1.71% return on assets against 1.51%; 4.24% net interest margin against 3.92%.
21.75% CET1 capital ratio against 21.19%; 13.82% tier 1 leverage ratio against 13.20%.
Inside the full First State Bank of Campbell Hill terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of Campbell Hill rankings
Its closest position to the top of a national ranking is 261 of 2,134, for CET1 ratio; its furthest is 3,216 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q4 2024) to 1.71% (Q2 2026) and its net interest margin ran from 3.60% (Q3 2024) to 4.24% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.75% | 1.71% | 1.59% | 8.34% | 4.24% |
| Q1 2026 | 21.56% | 1.52% | 1.48% | 7.91% | 4.12% |
| Q4 2025 | 21.37% | 1.43% | 1.56% | 8.15% | 4.07% |
| Q3 2025 | 21.78% | 1.59% | 0.27% | 1.79% | 4.04% |
| Q2 2025 | 21.19% | 1.51% | 0.40% | 2.52% | 3.92% |
| Q1 2025 | 21.32% | 1.50% | 0.17% | 1.43% | 3.70% |
| Q4 2024 | 21.47% | 1.28% | 0.24% | 1.35% | 3.70% |
| Q3 2024 | 21.00% | 1.34% | 0.22% | 1.24% | 3.60% |
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 |
|---|---|---|---|
| First State Bank of Campbell Hill (main office) | Campbell Hill , IL | 62916 | $79.7M |
| Coulterville Branch | Coulterville , IL | 62237 | $35.0M |
| Steeleville Community Bank Branch | Steeleville , IL | 62288 | $22.1M |
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 |
|---|---|---|---|
| October 1, 2003 | Structure Change | Acquired The First National Bank of Coulterville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 262 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $385K approved, $385K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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 First State Bank of Campbell Hill’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First State Bank of Campbell Hill
What are First State Bank of Campbell Hill's total assets?
As of the Q2 2026 filing, First State Bank of Campbell Hill reported total assets of $160.1 million in its FFIEC call report.
Where is First State Bank of Campbell Hill headquartered?
It is headquartered in Campbell Hill, IL, United States.
When was First State Bank of Campbell Hill founded?
It was established in 1921, per the FDIC institution directory.
Is First State Bank of Campbell Hill FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of Campbell Hill?
First State Bank of Campbell Hill's primary federal regulator is the FDIC.
What is First State Bank of Campbell Hill's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank of Campbell Hill 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 First State Bank of Campbell Hill's Texas Ratio?
Its Texas Ratio is 8.34% 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 First State Bank of Campbell Hill.
Get an email when First State Bank of Campbell Hill files its next call report, and benchmark it against any peer you choose.
Unlock First State Bank of Campbell Hill, freeFree account