Princeville State Bank
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Data as of · sourced from FFIEC call reports. How we update
Princeville State Bank is an FDIC-insured commercial bank headquartered in Princeville, IL, established in 1950 (FDIC certificate 16900), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $124.4M, up 15.1% from Q2 2025, the 246th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.23% 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
- 16900
- Headquarters
- Princeville, IL
- Established
- 1950
- Total assets, Q2 2026
- $124.4M
- Assets vs Q2 2025
- +15.1%
- Tier 1 leverage ratio, Q2 2026
- 9.23%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071122056
- Latest call report
- Q2 2026, FFIEC 051 · Princeville State Bank call report
- Holding company
- 1870 HOLDINGS, INC.
- Asset rank in state
- 246th of 319 in Illinois
Problem loans are rising at Princeville State Bank. Its balance sheet stood at $124 million at June 30, 2026, up 15.1% from a year earlier; it is based in Princeville, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.42% of loans from 3.92% a year earlier. It carries problem assets equal to 37.4% of the capital and reserves that would absorb them, 14.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 19.1% over the year, 3.5 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 19.1% and deposits rose 11.1%. Its $17 million commercial and industrial book is improving, with 1.08% past due or on nonaccrual, down from 1.81% a year earlier. Where it has less room is capital: it funds 9.23% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Princeville State Bank reported a return on assets of 1.50%, a nonperforming-loan ratio of 6.42% and a Texas ratio of 37.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Princeville State Bank is the 246th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $124.4M, loans rose 5.2% and deposits rose 4.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 23.6% of total loans, ahead of owner-occupied commercial real estate loans at 14.1%. Its 2 offices in the FDIC Summary of Deposits are in Princeville, IL and Peoria, IL; its Princeville office books 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Princeville State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 142 E Main St, Princeville, IL 61559
- County
- Peoria
- Metro Area
- Peoria, 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
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 17, 1950
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $102.6M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $122.0M
- Average total loans
- $67.3M
- Average interest-bearing deposits
- $82.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 17, 1950
- FDIC Cert
- 16900
- Fed RSSD
- 670748
- Website
- www.p-s-b.com →
- Parent Holding Company
- 1870 HOLDINGS, INC. (RSSD 3356632)
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, Princeville 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, Princeville State Bank's total assets ranged from $108.1M (Q2 2025) to $124.4M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$124.4M total assets against $108.1M; $108.1M total liabilities against $93.0M.
$69.2M net loans and leases against $57.9M; $102.6M total deposits against $92.4M.
$35.5M securities against $31.7M; $8.9M cash and balances due against $7.6M.
$1.7M total interest income against $1.5M; $455K total interest expense against $420K.
$1.2M net interest income against $1.1M.
$247K total noninterest income against $242K; $858K total noninterest expense against $765K.
$0 provision for credit losses against $5K.
$459K net income against $444K.
1.50% return on assets against 1.64%; 4.54% net interest margin against 4.78%.
9.23% tier 1 leverage ratio against 9.06%.
Inside the full Princeville State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Princeville State Bank rankings
Its closest position to the top of a national ranking is 35 of 3,640, for Texas Ratio; its furthest is 3,482 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.09% (Q1 2025) to 3.81% (Q4 2025) and its net interest margin ran from 2.51% (Q3 2024) to 5.11% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.23% | 1.50% | 6.42% | 37.36% | 4.54% |
| Q1 2026 | 9.28% | 1.45% | 3.51% | 19.64% | 4.48% |
| Q4 2025 | 9.05% | 3.81% | 3.68% | 20.10% | 3.83% |
| Q3 2025 | 9.28% | 1.71% | 3.78% | 20.15% | 5.11% |
| Q2 2025 | 9.06% | 1.64% | 3.92% | 22.23% | 4.78% |
| Q1 2025 | 8.56% | -1.09% | 0.58% | 4.04% | 4.66% |
| Q4 2024 | 9.18% | -0.54% | 0.66% | 7.22% | 2.77% |
| Q3 2024 | 9.06% | -0.88% | 0.68% | 6.14% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Princeville State Bank (main office) | Princeville , IL | 61559 | $65.3M |
| Peoria Branch | Peoria , IL | 61615 | $37.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 295 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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 Princeville State Bank
What are Princeville State Bank's total assets?
As of the Q2 2026 filing, Princeville State Bank reported total assets of $124.4 million in its FFIEC call report.
Where is Princeville State Bank headquartered?
It is headquartered in Princeville, IL, United States.
When was Princeville State Bank founded?
It was established in 1950, per the FDIC institution directory.
Is Princeville State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16900). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Princeville State Bank?
Princeville State Bank's primary federal regulator is the Federal Reserve.
How many branches does Princeville State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Princeville State Bank's Texas Ratio?
Its Texas Ratio is 37.36% 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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