Lasalle State Bank
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Data as of · sourced from FFIEC call reports. How we update
Lasalle State Bank is an FDIC-insured commercial bank headquartered in Lasalle, IL, established in 1894 (FDIC certificate 12410), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $183.2M, up 1.7% from Q2 2025, the 209th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 16.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12410
- Headquarters
- Lasalle, IL
- Established
- 1894
- Total assets, Q2 2026
- $183.2M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 16.64%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071902043
- Latest call report
- Q2 2026, FFIEC 051 · Lasalle State Bank call report
- Holding company
- LSBANCORP, INC.
- Asset rank in state
- 209th of 319 in Illinois
Lasalle State Bank, based in Lasalle, Illinois, reported $183 million in assets at June 30, 2026, up 1.7% from a year earlier. It keeps 2.87 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 3.2% over the year, lower than about three-quarters of banks its size (median 5.5%).
Delinquency has appeared in its $26 million non-owner-occupied commercial real estate book: 6.73% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.2 million equal 36% of Tier 1 capital, down from 49% a year earlier. Where it has less room is capital: it funds 8.91% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Lasalle State Bank reported a CET1 capital ratio of 16.64%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lasalle State Bank is the 209th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $183.2M, loans rose 0.3% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.8% of total loans, followed by 1-4 family residential loans at 21.0%. Its 3 offices in the FDIC Summary of Deposits are in La Salle, IL, Peru, IL and Utica, IL; its La Salle office books 65% of its branch deposits. On its Q2 2026 call report, Lasalle State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 654 1st St, Lasalle, IL 61301
- County
- Lasalle
- Metro Area
- Ottawa, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 21, 1894
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $155.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $190.7M
- Average total loans
- $85.6M
- Average interest-bearing deposits
- $136.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12410
- Fed RSSD
- 956134
- Website
- www.elsb.com →
- Parent Holding Company
- LSBANCORP, INC. (RSSD 1926228)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lasalle State Bank's total assets ran between $167.2M (Q2 2024) and $186.6M (Q3 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$183.2M total assets against $180.2M; $172.4M total liabilities against $171.7M.
$84.6M net loans and leases against $87.5M; $155.9M total deposits against $157.0M.
$83.2M securities against $79.3M; $9.0M cash and balances due against $7.3M.
$2.0M total interest income against $2.0M; $739K total interest expense against $779K.
$1.3M net interest income against $1.2M.
$192K total noninterest income against $195K; $1.2M total noninterest expense against $1.1M.
$21K provision for credit losses against $43K.
$278K net income against $265K.
0.58% return on assets against 0.57%; 2.87% net interest margin against 2.72%.
16.64% CET1 capital ratio against 15.97%; 8.91% tier 1 leverage ratio against 8.77%.
Inside the full Lasalle State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLasalle State Bank rankings
Its closest position to the top of a national ranking is 628 of 2,134, for CET1 ratio; its furthest is 3,192 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.46% (Q4 2024) to 0.71% (Q4 2025) and its net interest margin ran from 2.19% (Q3 2024) to 2.94% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.64% | 0.58% | 0.16% | 1.12% | 2.87% |
| Q1 2026 | 16.73% | 0.49% | 2.18% | 14.98% | 2.72% |
| Q4 2025 | 16.26% | 0.71% | 0.08% | 0.58% | 2.94% |
| Q3 2025 | 16.32% | 0.40% | 0.55% | 4.16% | 2.55% |
| Q2 2025 | 15.97% | 0.57% | 0.56% | 5.25% | 2.72% |
| Q1 2025 | 15.74% | 0.26% | 0.63% | 6.17% | 2.41% |
| Q4 2024 | 15.91% | -0.46% | 0.41% | 4.58% | 2.30% |
| Q3 2024 | 16.89% | 0.12% | 0.90% | 6.81% | 2.19% |
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 |
|---|---|---|---|
| La Salle State Bank | La Salle , IL | 61301 | $101.0M |
| Peru Branch | Peru , IL | 61354 | $36.0M |
| 100 Mill Street Branch | Utica , IL | 61373 | $18.8M |
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 |
|---|---|---|---|
| March 8, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 1997 | Structure Change | Acquired Community Bank of Utica 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.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- January 22, 2003, Federal Reserve: Civil Money Penalty $3,150: La Salle State Bank, La Salle, IL
- Period: Most recent institution action January 22, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 253 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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 Lasalle State Bank
What are Lasalle State Bank's total assets?
As of the Q2 2026 filing, Lasalle State Bank reported total assets of $183.2 million in its FFIEC call report.
Where is Lasalle State Bank headquartered?
It is headquartered in Lasalle, IL, United States.
When was Lasalle State Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Lasalle State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lasalle State Bank?
Lasalle State Bank's primary federal regulator is the FDIC.
What is Lasalle State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lasalle 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 Lasalle State Bank's Texas Ratio?
Its Texas Ratio is 1.12% 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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