Lasalle 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 766.48 percentage points higher than in Q1 2026, at 824.63%. Lasalle State Bank ranks 270th of 323 Illinois banks on return on assets, in the lower half at 0.58% (Q2 2026). Lasalle State Bank's return on assets of 0.58% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.64% |
| Tier 1 risk-based capital ratio | 16.64% |
| Total risk-based capital ratio | 17.76% |
| Tier 1 leverage ratio | 8.91% |
| Equity capital to assets | 5.90% |
| Tangible equity to tangible assets | 5.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.12% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 824.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 10.05% |
| Net interest margin | 2.87% |
| Efficiency ratio | 78.49% |
| Yield on earning assets | 4.47% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.01% |
| Core deposits to total deposits | 77.87% |
| Brokered deposits to total deposits | 2.09% |
| Deposits to assets | 85.06% |
| Securities to assets | 45.38% |
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 | 16.98% | 16.98% | 18.19% | 10.10% | 0.47% |
| Q4 2023 | 17.75% | 17.75% | 19.00% | 9.87% | -0.65% |
| Q1 2024 | 17.51% | 17.51% | 18.76% | 9.89% | 0.15% |
| Q2 2024 | 17.42% | 17.42% | 18.68% | 9.81% | 0.23% |
| Q3 2024 | 16.89% | 16.89% | 18.14% | 8.92% | 0.12% |
| Q4 2024 | 15.91% | 15.91% | 16.91% | 8.61% | -0.46% |
| Q1 2025 | 15.74% | 15.74% | 16.74% | 8.58% | 0.26% |
| Q2 2025 | 15.97% | 15.97% | 17.02% | 8.77% | 0.57% |
| Q3 2025 | 16.32% | 16.32% | 17.41% | 8.69% | 0.40% |
| Q4 2025 | 16.26% | 16.26% | 17.33% | 8.83% | 0.71% |
| Q1 2026 | 16.73% | 16.73% | 17.84% | 9.00% | 0.49% |
| Q2 2026 | 16.64% | 16.64% | 17.76% | 8.91% | 0.58% |
Lasalle State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lasalle 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 Lasalle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12410) · FFIEC NIC profile (RSSD 956134)