Flanagan State Bank: 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.
Reserve coverage of non-performing loans dropped 50.51 percentage points in Q2 2026, from 166.80% to 116.29%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Flanagan State Bank is 278th of 323 on return on assets, 0.49% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Flanagan State Bank reported 0.49% on return on assets in Q2 2026, 0.77 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.80% |
| Tier 1 risk-based capital ratio | 12.80% |
| Total risk-based capital ratio | 13.60% |
| Tier 1 leverage ratio | 9.59% |
| Equity capital to assets | 6.68% |
| Tangible equity to tangible assets | 6.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 7.83% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 116.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.49% |
| Return on equity | 7.20% |
| Net interest margin | 3.47% |
| Efficiency ratio | 90.26% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.28% |
| Core deposits to total deposits | 86.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.25% |
| Securities to assets | 31.04% |
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 | — | — | — | 9.17% | -0.05% |
| Q4 2023 | — | — | — | 8.99% | -0.06% |
| Q1 2024 | — | — | — | 8.94% | 0.31% |
| Q2 2024 | — | — | — | 9.00% | 0.67% |
| Q3 2024 | — | — | — | 8.66% | -0.09% |
| Q4 2024 | — | — | — | 8.63% | 0.32% |
| Q1 2025 | 12.90% | 12.90% | 13.66% | 8.58% | 0.02% |
| Q2 2025 | 12.34% | 12.34% | 13.07% | 8.72% | 0.91% |
| Q3 2025 | 12.08% | 12.08% | 12.82% | 8.64% | 0.55% |
| Q4 2025 | 11.92% | 11.92% | 12.66% | 8.78% | 0.93% |
| Q1 2026 | 13.22% | 13.22% | 14.03% | 8.86% | 0.21% |
| Q2 2026 | 12.80% | 12.80% | 13.60% | 9.59% | 0.49% |
Flanagan State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flanagan State Bank, 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 Flanagan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11734) · FFIEC NIC profile (RSSD 979133)