The First State Bank of Dongola
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Data as of · sourced from FFIEC call reports. How we update
The First State Bank of Dongola is an FDIC-insured commercial bank headquartered in Dongola, IL, established in 1906 (FDIC certificate 12098), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $34.7M, up 7.6% from Q2 2025, the 305th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.06% 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
- 12098
- Headquarters
- Dongola, IL
- Established
- 1906
- Total assets, Q2 2026
- $34.7M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 19.06%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081212613
- Latest call report
- Q2 2026, FFIEC 051 · The First State Bank of Dongola call report
- Holding company
- TRI-COUNTY HOLDINGS, INC.
- Asset rank in state
- 305th of 319 in Illinois
The First State Bank of Dongola leans heavily on commercial real estate. Based in Dongola, Illinois, it had $35 million in assets at June 30, 2026, up 7.6% from a year earlier. It holds commercial real estate loans worth 1.0 times its capital, 4.0 times the median of 26% for the 583 banks with less than $100 million in assets. It also funds 9.81% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Earnings jumped: net income for the quarter was $93,000, 39% above the same quarter a year earlier. Over the same year, loans grew 3.3% and deposits grew 8.0%.
As of June 30, 2026, The First State Bank of Dongola reported a CET1 capital ratio of 19.06%, a return on assets of 1.07%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.27%. The figures come from its call report filed with the FFIEC.
The First State Bank of Dongola ranks as the 305th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $34.7M, loans rose 1.4% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.6% of total loans, followed by farmland and other real estate loans at 16.4%. Its 2 offices in the FDIC Summary of Deposits are in Dongola, IL and Ullin, IL; its Dongola office books 100% of its branch deposits. Judged on its Q2 2026 call report, The First State Bank of Dongola meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 Ne Front St, Dongola, IL 62926
- County
- Union
- 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 051
- Established
- May 1, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $31.2M
- Allowance for credit losses
- $169K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $34.6M
- Average total loans
- $17.1M
- Average interest-bearing deposits
- $24.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12098
- Fed RSSD
- 630041
- SEC CIK
- 1280795 → filed by TRI-COUNTY HOLDINGS, INC.
- Parent Holding Company
- TRI-COUNTY HOLDINGS, INC. (RSSD 3584006)
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
Over the 12 quarters to Q2 2026, The First State Bank of Dongola's total assets ran between $30.2M (Q3 2023) and $35.3M (Q1 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
$34.7M total assets against $32.3M; $31.4M total liabilities against $29.1M.
$17.0M net loans and leases against $16.4M; $31.2M total deposits against $28.9M.
$8.3M securities against $5.7M; $8.5M cash and balances due against $9.3M.
$453K total interest income against $415K; $102K total interest expense against $100K.
$351K net interest income against $315K.
$70K total noninterest income against $65K; $329K total noninterest expense against $314K.
$0 provision for credit losses against $0.
$93K net income against $67K.
1.07% return on assets against 0.82%; 4.27% net interest margin against 4.08%.
19.06% CET1 capital ratio against 18.67%; 9.81% tier 1 leverage ratio against 10.16%.
Inside the full The First State Bank of Dongola terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.40% (Q3 2024) to 1.07% (Q2 2026) and its net interest margin ran from 3.89% (Q3 2024) to 4.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.06% | 1.07% | 0.26% | 1.27% | 4.27% |
| Q1 2026 | 19.80% | 0.77% | 0.28% | 1.37% | 4.06% |
| Q4 2025 | 19.36% | 0.62% | 0.27% | 1.31% | 4.22% |
| Q3 2025 | 18.80% | 0.94% | 0.35% | 1.75% | 4.12% |
| Q2 2025 | 18.67% | 0.82% | 0.31% | 1.52% | 4.08% |
| Q1 2025 | 19.87% | 0.81% | 0.34% | 1.60% | 4.07% |
| Q4 2024 | 18.77% | 0.64% | 1.51% | 7.52% | 4.16% |
| Q3 2024 | 19.24% | 0.40% | 0.31% | 1.56% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The First State Bank of Dongola | Dongola , IL | 62926 | $31.2M |
| Ullin Branch Facility | Ullin , IL | 62992 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- November 7, 2018, Federal Reserve: Civil Money Penalty, $15,000: The First State Bank of Dongola, Dongola, Illinois
- Period: Most recent institution action November 7, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 359 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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 The First State Bank of Dongola
What are The First State Bank of Dongola's total assets?
As of the Q2 2026 filing, The First State Bank of Dongola reported total assets of $34.7 million in its FFIEC call report.
Where is The First State Bank of Dongola headquartered?
It is headquartered in Dongola, IL, United States.
When was The First State Bank of Dongola founded?
It was established in 1906, per the FDIC institution directory.
Is The First State Bank of Dongola FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12098). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First State Bank of Dongola?
The First State Bank of Dongola's primary federal regulator is the Federal Reserve.
What is The First State Bank of Dongola's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First State Bank of Dongola operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First State Bank of Dongola's Texas Ratio?
Its Texas Ratio is 1.27% 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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