First State Bank Shannon-Polo: 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 Q3 2026 was in Reserve coverage of non-performing loans: 19.13 percentage points higher than in Q2 2026, at 76.88%. First State Bank Shannon-Polo ranks 121st of 323 Illinois banks on return on assets, in the upper half at 1.38% (Q3 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First State Bank Shannon-Polo sits 0.13 points higher, at 1.38% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 15.04% |
| Tier 1 leverage ratio | 10.54% |
| Equity capital to assets | 7.62% |
| Tangible equity to tangible assets | 6.57% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 1.54% |
| Non-performing assets ratio | 0.88% |
| Net charge-off ratio | -0.13% |
| Texas ratio | 12.32% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 76.88% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 17.56% |
| Net interest margin | 3.35% |
| Efficiency ratio | 64.74% |
| Yield on earning assets | 4.64% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 64.24% |
| Core deposits to total deposits | 87.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.92% |
| Securities to assets | 29.86% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 12.98% | 12.98% | 14.14% | 8.26% | 0.77% |
| Q1 2024 | 13.23% | 13.23% | 14.37% | 8.80% | 1.12% |
| Q2 2024 | 13.38% | 13.38% | 14.53% | 9.31% | 0.68% |
| Q3 2024 | 13.31% | 13.31% | 14.45% | 9.30% | 0.66% |
| Q4 2024 | 13.59% | 13.59% | 14.59% | 9.26% | 0.63% |
| Q1 2025 | 13.84% | 13.84% | 14.86% | 9.25% | 0.80% |
| Q2 2025 | 13.75% | 13.75% | 14.75% | 9.58% | 1.08% |
| Q3 2025 | 13.82% | 13.82% | 14.80% | 9.84% | 1.10% |
| Q4 2025 | 13.48% | 13.48% | 14.42% | 9.71% | 1.09% |
| Q1 2026 | 13.57% | 13.57% | 14.50% | 10.03% | 1.28% |
| Q2 2026 | 13.80% | 13.80% | 14.69% | 10.31% | 0.57% |
| Q3 2026 | 14.13% | 14.13% | 15.04% | 10.54% | 1.38% |
First State Bank Shannon-Polo vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Shannon-Polo, 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 Shannon-Polo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1781) · FFIEC NIC profile (RSSD 232847)