Illini 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 climbed 4.60 percentage points in Q2 2026, from 46.00% to 50.60%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Illini State Bank is 116th of 323 on return on assets, 1.41% as of Q2 2026, above the middle of the field. Illini State Bank reported 1.41% on return on assets for Q2 2026, 0.16 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.42% |
| Equity capital to assets | 14.29% |
| Tangible equity to tangible assets | 12.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.26% |
| Non-performing assets ratio | 1.41% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.33% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 50.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 9.99% |
| Net interest margin | 3.20% |
| Efficiency ratio | 48.89% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.50% |
| Core deposits to total deposits | 70.32% |
| Brokered deposits to total deposits | 13.66% |
| Deposits to assets | 72.43% |
| Securities to assets | 27.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.27% | 0.74% | 2.18% | 1.07% | 0.00% |
| Q4 2023 | 13.09% | 0.85% | 2.36% | 0.46% | 0.00% |
| Q1 2024 | 13.08% | 0.95% | 2.53% | 0.46% | 0.00% |
| Q2 2024 | 13.32% | 0.95% | 2.44% | 0.47% | 0.00% |
| Q3 2024 | 13.39% | 0.80% | 2.36% | 0.46% | 0.01% |
| Q4 2024 | 13.32% | 1.09% | 2.82% | 0.57% | 0.34% |
| Q1 2025 | 13.34% | 0.74% | 2.37% | 2.40% | 0.00% |
| Q2 2025 | 14.05% | 1.22% | 2.68% | 2.46% | 0.00% |
| Q3 2025 | 14.26% | 1.15% | 2.68% | 2.42% | 0.00% |
| Q4 2025 | 13.72% | 1.03% | 2.77% | 2.35% | 0.00% |
| Q1 2026 | 14.02% | 1.11% | 2.99% | 2.32% | 0.07% |
| Q2 2026 | 14.42% | 1.41% | 3.20% | 2.26% | 0.00% |
Illini State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Illini 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 Illini State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10788) · FFIEC NIC profile (RSSD 180845)