Hartsburg State Bank
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Data as of · sourced from FFIEC call reports. How we update
Hartsburg State Bank is an FDIC-insured commercial bank headquartered in Hartsburg, IL, established in 1901 (FDIC certificate 11716), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $18.1M, up 10.7% from Q2 2025, the 317th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11716
- Headquarters
- Hartsburg, IL
- Established
- 1901
- Total assets, Q2 2026
- $18.1M
- Assets vs Q2 2025
- +10.7%
- Tier 1 leverage ratio, Q2 2026
- 11.51%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071113434
- Latest call report
- Q2 2026, FFIEC 051 · Hartsburg State Bank call report
- Asset rank in state
- 317th of 319 in Illinois
Hartsburg State Bank, based in Hartsburg, Illinois, reported $18 million in assets at June 30, 2026, up 10.7% from a year earlier. It keeps 2.77 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it pays an average of 0.37% on its deposits and borrowings, a small fraction of the median of 1.53% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.20% of loans from 1.74%. Loans and deposits moved in opposite directions: over the year loans fell 9.4% and deposits rose 10.4%. Costs are the weak spot: it spends about 98 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Hartsburg State Bank reported a return on assets of 0.07%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.65%. The figures come from its call report filed with the FFIEC.
Hartsburg State Bank ranks as the 317th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.3% to $18.1M, loans fell 4.8% and deposits rose 5.7%. Agricultural production loans made up 47.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.1%. Its one office in the FDIC Summary of Deposits is in Hartsburg, IL. On its Q2 2026 call report, Hartsburg State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N 2nd St, Hartsburg, IL 62643
- County
- Logan
- Metro Area
- Lincoln, IL
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 13, 1901
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 3
- Domestic deposits
- $16.5M
- Allowance for credit losses
- $164K
- Net charge-offs (YTD)
- $36K
- Average total assets
- $18.1M
- Average total loans
- $5.7M
- Average interest-bearing deposits
- $15.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11716
- Fed RSSD
- 799939
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Hartsburg State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Hartsburg State Bank's total assets moved between a low of $15.9M (Q1 2025) and a high of $21.0M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$18.1M total assets against $16.4M; $16.6M total liabilities against $15.0M.
$5.4M net loans and leases against $6.0M; $16.5M total deposits against $15.0M.
$6.9M securities against $6.8M; $5.2M cash and balances due against $3.0M.
$144K total interest income against $133K; $22K total interest expense against $23K.
$122K net interest income against $110K.
$12K total noninterest income against $7K; $131K total noninterest expense against $132K.
No provision recorded in the last 12 quarters.
$3K net income against -$15K.
0.07% return on assets against -0.37%; 2.77% net interest margin against 2.76%.
11.51% tier 1 leverage ratio against 12.56%.
Inside the full Hartsburg State Bank 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 -0.53% (Q4 2024) to 0.37% (Q1 2026) and its net interest margin ran from 2.24% (Q4 2024) to 3.09% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.51% | 0.07% | 0.20% | 0.65% | 2.77% |
| Q1 2026 | 11.35% | 0.37% | 0.22% | 0.77% | 2.87% |
| Q4 2025 | 12.80% | 0.27% | 0.80% | 2.88% | 2.86% |
| Q3 2025 | 12.06% | 0.35% | 1.65% | 6.12% | 3.09% |
| Q2 2025 | 12.56% | -0.37% | 1.74% | 6.71% | 2.76% |
| Q1 2025 | 11.77% | 0.05% | 0.97% | 4.02% | 2.78% |
| Q4 2024 | 12.92% | -0.53% | 0.88% | 4.18% | 2.24% |
| Q3 2024 | 11.56% | 0.20% | 0.92% | 3.72% | 2.99% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Hartsburg State Bank (main office) | Hartsburg , IL | 62643 | $16.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 374 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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 Hartsburg State Bank
What are Hartsburg State Bank's total assets?
As of the Q2 2026 filing, Hartsburg State Bank reported total assets of $18.1 million in its FFIEC call report.
Where is Hartsburg State Bank headquartered?
It is headquartered in Hartsburg, IL, United States.
When was Hartsburg State Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Hartsburg State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hartsburg State Bank?
Hartsburg State Bank's primary federal regulator is the Federal Reserve.
How many branches does Hartsburg State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hartsburg State Bank's Texas Ratio?
Its Texas Ratio is 0.65% 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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