Milledgeville State Bank
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Data as of · sourced from FFIEC call reports. How we update
Milledgeville State Bank is an FDIC-insured commercial bank headquartered in Milledgeville, IL, established in 1942 (FDIC certificate 15873), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $215.2M, up 11.0% from Q2 2025, the 183rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.76% 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
- 15873
- Headquarters
- Milledgeville, IL
- Established
- 1942
- Total assets, Q2 2026
- $215.2M
- Assets vs Q2 2025
- +11.0%
- CET1 ratio, Q2 2026
- 13.76%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071121620
- Latest call report
- Q2 2026, FFIEC 051 · Milledgeville State Bank call report
- Holding company
- MILLEDGEVILLE BANCORP, INC.
- Asset rank in state
- 183rd of 319 in Illinois
Milledgeville State Bank pays more for its money than most banks of its size. Based in Milledgeville, Illinois, it had $215 million in assets at June 30, 2026, up 11.0% from a year earlier. It pays an average of 2.76% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
The commercial and industrial book ($36 million) is worsening: 4.11% of it is past due or on nonaccrual, up from 1.27% a year earlier. Earnings fell sharply: quarterly net income of $331,000 was 41% below a year earlier. Its margin is thin by comparison: it keeps 3.18 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Milledgeville State Bank reported a CET1 capital ratio of 13.76%, a return on assets of 0.62%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.77%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Milledgeville State Bank is the 183rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $215.2M, loans rose 0.9% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 29.7% of total loans, followed by farmland and other real estate loans at 25.9%. The FDIC Summary of Deposits lists a single office for it, in Milledgeville, IL. By the capital ratios in its Q2 2026 call report, Milledgeville State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 451 N Main Ave, Milledgeville, IL 61051
- County
- Carroll
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 2, 1942
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $170.6M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $215.1M
- Average total loans
- $140.0M
- Average interest-bearing deposits
- $154.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1942
- FDIC Cert
- 15873
- Fed RSSD
- 895448
- SEC CIK
- 814402 → filed by MILLEDGEVILLE BANCORP, INC.
- Website
- WWW.MILLEDGEVILLEBANK.COM →
- Parent Holding Company
- MILLEDGEVILLE BANCORP, INC. (RSSD 1143454)
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
Milledgeville State Bank's total assets moved between a low of $174.4M (Q3 2023) and a high of $215.2M (Q2 2026) from Q3 2023 to Q2 2026, 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
$215.2M total assets against $193.8M; $195.0M total liabilities against $175.8M.
$138.2M net loans and leases against $119.5M; $170.6M total deposits against $154.3M.
$52.9M securities against $50.1M; $12.0M cash and balances due against $13.1M.
$3.0M total interest income against $2.5M; $1.4M total interest expense against $1.3M.
$1.6M net interest income against $1.2M.
$89K total noninterest income against $85K; $790K total noninterest expense against $654K.
$550K provision for credit losses against $60K.
$331K net income against $564K.
0.62% return on assets against 1.19%; 3.18% net interest margin against 2.71%.
13.76% CET1 capital ratio against 15.04%; 10.48% tier 1 leverage ratio against 11.40%.
Inside the full Milledgeville State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMilledgeville State Bank rankings
Its closest position to the top of a national ranking is 452 of 3,606, for efficiency ratio; its furthest is 3,124 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.22% (Q4 2024) to 1.19% (Q2 2025) and its net interest margin ran from 2.47% (Q3 2024) to 3.18% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.76% | 0.62% | 0.28% | 1.77% | 3.18% |
| Q1 2026 | 13.98% | 0.98% | 0.00% | 0.00% | 3.00% |
| Q4 2025 | 14.24% | 1.06% | 0.28% | 1.76% | 3.01% |
| Q3 2025 | 14.47% | 1.10% | 0.30% | 1.84% | 2.93% |
| Q2 2025 | 15.04% | 1.19% | 0.80% | 5.01% | 2.71% |
| Q1 2025 | 15.39% | 0.93% | 1.57% | 9.44% | 2.53% |
| Q4 2024 | 15.52% | 0.22% | 1.52% | 9.55% | 2.51% |
| Q3 2024 | 15.21% | 1.00% | 1.73% | 9.45% | 2.47% |
Swipe the table sideways to see every column.
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 |
|---|---|---|---|
| Milledgeville State Bank (main office) | Milledgeville , IL | 61051 | $170.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 235 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $207K approved, $207K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 Milledgeville State Bank
What are Milledgeville State Bank's total assets?
As of the Q2 2026 filing, Milledgeville State Bank reported total assets of $215.2 million in its FFIEC call report.
Where is Milledgeville State Bank headquartered?
It is headquartered in Milledgeville, IL, United States.
When was Milledgeville State Bank founded?
It was established in 1942, per the FDIC institution directory.
Is Milledgeville State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Milledgeville State Bank?
Milledgeville State Bank's primary federal regulator is the FDIC.
What is Milledgeville State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Milledgeville 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 Milledgeville State Bank's Texas Ratio?
Its Texas Ratio is 1.77% 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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