Illini State Bank
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Data as of · sourced from FFIEC call reports. How we update
Illini State Bank is an FDIC-insured commercial bank headquartered in Tonica, IL, established in 1914 (FDIC certificate 10788), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $171.9M, up 1.4% from Q2 2025, the 219th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.42% 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
- 10788
- Headquarters
- Tonica, IL
- Established
- 1914
- Total assets, Q2 2026
- $171.9M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 14.42%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071918383
- Holding company
- ISB BANCORP, INC.
- Asset rank in state
- 219th of 319 in Illinois
Illini State Bank, based in Tonica, Illinois, reported $172 million in assets at June 30, 2026, up 1.4% from a year earlier. It lost 2.4% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.86% of loans, down from 2.36% a year earlier. Net income for the quarter rose 19% from a year earlier, to $609,000. Credit is the area to watch: it carries problem assets equal to 9.4% of the capital and reserves that would absorb them, 3.5 times the median of 2.6% for banks its size.
As of June 30, 2026, Illini State Bank reported a return on assets of 1.41%, a nonperforming-loan ratio of 1.86% and a Texas ratio of 9.36%. The figures come from its call report filed with the FFIEC.
Illini State Bank ranks as the 219th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $171.9M, loans rose 0.8% and deposits rose 0.5%. Non-owner-occupied commercial real estate loans made up 36.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 19.9%. The FDIC Summary of Deposits lists 3 offices for it, in Oglesby, IL and Lostant, IL; its Oglesby 2 offices book 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, Illini State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 S Columbia Ave, Tonica, IL 61348
- County
- Lasalle
- Metro Area
- Ottawa, 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
- February 14, 1914
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $124.5M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $172.4M
- Average total loans
- $107.4M
- Average interest-bearing deposits
- $98.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10788
- Fed RSSD
- 180845
- Website
- http://www.illinistatebank.com →
- Parent Holding Company
- ISB BANCORP, INC. (RSSD 4361361)
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, Illini State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Illini State Bank's total assets ranged from $161.6M (Q3 2023) to $172.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$171.9M total assets against $169.6M; $147.3M total liabilities against $147.7M.
$106.4M net loans and leases against $105.5M; $124.5M total deposits against $127.5M.
$47.0M securities against $44.0M; $9.8M cash and balances due against $11.5M.
$2.1M total interest income against $1.9M; $735K total interest expense against $787K.
$1.3M net interest income against $1.1M.
$47K total noninterest income against $45K; $685K total noninterest expense against $604K.
$90K provision for credit losses against $23K.
$609K net income against $510K.
1.41% return on assets against 1.22%; 3.20% net interest margin against 2.68%.
14.42% tier 1 leverage ratio against 14.05%.
Inside the full Illini State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIllini State Bank rankings
Its closest position to the top of a national ranking is 697 of 3,640, for Texas Ratio; its furthest is 3,156 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.74% (Q1 2025) to 1.41% (Q2 2026) and its net interest margin ran from 2.36% (Q3 2024) to 3.20% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.42% | 1.41% | 1.86% | 9.36% | 3.20% |
| Q1 2026 | 14.02% | 1.11% | 1.92% | 9.78% | 2.99% |
| Q4 2025 | 13.72% | 1.03% | 1.94% | 10.23% | 2.77% |
| Q3 2025 | 14.26% | 1.15% | 1.95% | 10.26% | 2.68% |
| Q2 2025 | 14.05% | 1.22% | 2.36% | 13.48% | 2.68% |
| Q1 2025 | 13.34% | 0.74% | 2.13% | 12.90% | 2.37% |
| Q4 2024 | 13.32% | 1.09% | 0.09% | 0.61% | 2.82% |
| Q3 2024 | 13.39% | 0.80% | 0.18% | 1.07% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Illini State Bank (main office) | Oglesby , IL | 61348 | $83.7M |
| Lostant Branch | Lostant , IL | 61334 | $25.8M |
| Oglesby Branch | Oglesby , IL | 61348 | $15.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 16, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 1988 | Structure Change | Acquired The Farmers State Bank of Lostant Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 274 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $47K approved, $47K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Illini State Bank
What are Illini State Bank's total assets?
As of the Q2 2026 filing, Illini State Bank reported total assets of $171.9 million in its FFIEC call report.
Where is Illini State Bank headquartered?
It is headquartered in Tonica, IL, United States.
When was Illini State Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Illini State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Illini State Bank?
Illini State Bank's primary federal regulator is the Federal Reserve.
How many branches does Illini State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Illini State Bank's Texas Ratio?
Its Texas Ratio is 9.36% 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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