Bank Safety Analysis
Is First State Bank Shannon-Polo Safe? Shannon, Illinois
Based on its Q2 2026 call report, First State Bank Shannon-Polo meets every capital ratio test for well capitalized, its Texas ratio is 18.93%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, First State Bank Shannon-Polo's CET1 ratio is 13.80%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 13.80%
- Tier 1 leverage ratio (Q2 2026): 10.31%
- Texas ratio (Q2 2026): 18.93%
- Noncurrent loans ratio (Q2 2026): 2.64%
First State Bank Shannon-Polo is an FDIC-insured commercial bank (FDIC Certificate #1781). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
First State Bank Shannon-Polo meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.87 percentage points lower than in Q1 2026, at 2.64%. Within Illinois, First State Bank Shannon-Polo is 119th of 195 on CET1 ratio, 13.80% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First State Bank Shannon-Polo sits 1.29 points lower, at 13.80% (Q2 2026). From Q3 2023 to Q2 2026, First State Bank Shannon-Polo's CET1 ratio ranged between 12.54% (Q3 2023) and 13.84% (Q1 2025) and its Texas ratio ranged between 1.50% (Q1 2024) and 25.43% (Q1 2026). Between Q2 2025 and Q2 2026, First State Bank Shannon-Polo's CET1 ratio rose from 13.75% to 13.80%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 2.09% to 2.64%, Texas ratio rose from 16.90% to 18.93% and return on assets fell from 1.08% to 0.57%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 13.80% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.31% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.64% are elevated; merits closer attention.
Texas Ratio of 18.9% is well below the 100% historical failure threshold.
Efficiency ratio of 70.4% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 13.80% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 18.93% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.64% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 65.36% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 53.39% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 13.80% |
| Q1 2026 | 13.57% |
| Q4 2025 | 13.48% |
| Q3 2025 | 13.82% |
| Q2 2025 | 13.75% |
| Q1 2025 | 13.84% |
| Q4 2024 | 13.59% |
| Q3 2024 | 13.31% |
| Q2 2024 | 13.38% |
| Q1 2024 | 13.23% |
| Q4 2023 | 12.98% |
| Q3 2023 | 12.54% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 18.93% |
| Q1 2026 | 25.43% |
| Q4 2025 | 8.58% |
| Q3 2025 | 8.95% |
| Q2 2025 | 16.90% |
| Q1 2025 | 10.73% |
| Q4 2024 | 12.09% |
| Q3 2024 | 12.41% |
| Q2 2024 | 15.03% |
| Q1 2024 | 1.50% |
| Q4 2023 | 3.17% |
| Q3 2023 | 8.89% |
First State Bank Shannon-Polo by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 13.80% | 2.64% | 18.93% | 0.57% |
| Mar 31, 2026 | 13.57% | 3.51% | 25.43% | 1.28% |
| Dec 31, 2025 | 13.48% | 1.18% | 8.58% | 1.09% |
| Sep 30, 2025 | 13.82% | 1.23% | 8.95% | 1.10% |
| Jun 30, 2025 | 13.75% | 2.09% | 16.90% | 1.08% |
| Mar 31, 2025 | 13.84% | 1.32% | 10.73% | 0.80% |
| Dec 31, 2024 | 13.59% | 1.24% | 12.09% | 0.63% |
| Sep 30, 2024 | 13.31% | 1.55% | 12.41% | 0.66% |
| Jun 30, 2024 | 13.38% | 1.54% | 15.03% | 0.68% |
| Mar 31, 2024 | 13.23% | 0.15% | 1.50% | 1.12% |
| Dec 31, 2023 | 12.98% | 0.31% | 3.17% | 0.77% |
| Sep 30, 2023 | 12.54% | 0.68% | 8.89% | 0.99% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First State Bank Shannon-Polo FDIC insured?
Yes. First State Bank Shannon-Polo is an FDIC-insured commercial bank (FDIC Certificate #1781). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First State Bank Shannon-Polo well capitalized?
On its Q2 2026 call report, First State Bank Shannon-Polo's CET1 ratio is 13.80%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are First State Bank Shannon-Polo's key safety ratios?
For Q2 2026, First State Bank Shannon-Polo reports CET1 13.80%, leverage 10.31%, Texas ratio 18.93%, noncurrent loans 2.64%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if First State Bank Shannon-Polo fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 1781) · FFIEC NIC profile (RSSD 232847)
Explore: Full First State Bank Shannon-Polo profile · Other banks in IL · Metric glossary · How the call report works