First State Bank of St. Peter: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 180.90 percentage points lower than in Q1 2026, at 76.51%. First State Bank of St. Peter ranks 57th of 323 Illinois banks on return on assets, in the upper half at 1.73% (Q2 2026). First State Bank of St. Peter's return on assets of 1.73% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 45.91% |
| Tier 1 risk-based capital ratio | 45.91% |
| Total risk-based capital ratio | 46.83% |
| Tier 1 leverage ratio | 18.52% |
| Equity capital to assets | 17.47% |
| Tangible equity to tangible assets | 17.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.94% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 1.31% |
| Texas ratio | 2.77% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 76.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 10.13% |
| Net interest margin | 4.04% |
| Efficiency ratio | 45.46% |
| Yield on earning assets | 4.67% |
| Cost of funds | 0.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 31.23% |
| Core deposits to total deposits | 97.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.60% |
| Securities to assets | 65.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 36.86% | 36.86% | 37.82% | 15.98% | 1.33% |
| Q4 2023 | 38.87% | 38.87% | 39.87% | 16.26% | 1.60% |
| Q1 2024 | 39.09% | 39.09% | 40.10% | 17.06% | 1.14% |
| Q2 2024 | 39.39% | 39.39% | 40.39% | 17.35% | 1.30% |
| Q3 2024 | 40.57% | 40.57% | 41.58% | 17.95% | 1.25% |
| Q4 2024 | 41.81% | 41.81% | 42.82% | 17.87% | 1.17% |
| Q1 2025 | 41.52% | 41.52% | 42.52% | 17.68% | 1.36% |
| Q2 2025 | 41.98% | 41.98% | 42.99% | 17.55% | 1.44% |
| Q3 2025 | 43.07% | 43.07% | 44.09% | 18.15% | 1.39% |
| Q4 2025 | 43.58% | 43.58% | 44.65% | 18.21% | 1.24% |
| Q1 2026 | 44.83% | 44.83% | 45.93% | 18.57% | 1.61% |
| Q2 2026 | 45.91% | 45.91% | 46.83% | 18.52% | 1.73% |
First State Bank of St. Peter vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of St. Peter, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of St. Peter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11302) · FFIEC NIC profile (RSSD 426141)