Raritan State Bank
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Data as of · sourced from FFIEC call reports. How we update
Raritan State Bank is an FDIC-insured commercial bank headquartered in Raritan, IL, established in 1920 (FDIC certificate 10438), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $253.9M, up 1.7% from Q2 2025, the 168th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10438
- Headquarters
- Raritan, IL
- Established
- 1920
- Total assets, Q2 2026
- $253.9M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 10.78%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071115416
- Latest call report
- Q2 2026, FFIEC 051 · Raritan State Bank call report
- Holding company
- RARITAN STATE BANCORP, INC.
- Asset rank in state
- 168th of 319 in Illinois
Raritan State Bank, based in Raritan, Illinois, reported $254 million in assets at June 30, 2026, up 1.7% from a year earlier. It carries problem assets equal to 11.3% of the capital and reserves that would absorb them, 4.3 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $727,000, 38% above the same quarter a year earlier. Over the same year, loans grew 9.5% and deposits grew 1.2%.
As of June 30, 2026, Raritan State Bank reported a return on assets of 1.13%, a nonperforming-loan ratio of 1.67% and a Texas ratio of 11.33%. The figures come from its call report filed with the FFIEC.
Raritan State Bank ranks as the 168th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $253.9M, loans rose 1.3% and deposits fell 0.7%. 1-4 family residential loans made up 35.2% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 21.2%. The FDIC Summary of Deposits lists 3 offices for it, in Raritan, IL, Abingdon, IL and Bushnell, IL; its Raritan office books 52% of its branch deposits. Judged on its Q2 2026 call report, Raritan State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 E Main St, Raritan, IL 61471
- County
- Henderson
- Metro Area
- Burlington, IA-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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $223.6M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $190K
- Average total assets
- $258.4M
- Average total loans
- $188.3M
- Average interest-bearing deposits
- $197.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10438
- Fed RSSD
- 749943
- Website
- www.raritanstatebank.com →
- Parent Holding Company
- RARITAN STATE BANCORP, INC. (RSSD 2267982)
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, Raritan 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, Raritan State Bank's total assets ranged from $241.3M (Q3 2023) to $255.5M (Q1 2024), 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
$253.9M total assets against $249.7M; $225.1M total liabilities against $223.3M.
$188.0M net loans and leases against $171.7M; $223.6M total deposits against $221.1M.
$43.7M securities against $58.6M; $16.6M cash and balances due against $14.6M.
$3.6M total interest income against $3.2M; $1.2M total interest expense against $1.3M.
$2.3M net interest income against $1.9M.
$127K total noninterest income against $125K; $1.4M total noninterest expense against $1.2M.
$35K provision for credit losses against $155K.
$727K net income against $526K.
1.13% return on assets against 0.84%; 3.78% net interest margin against 3.16%.
10.78% tier 1 leverage ratio against 11.15%.
Inside the full Raritan State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRaritan State Bank rankings
Its closest position to the top of a national ranking is 522 of 3,640, for Texas Ratio; its furthest is 2,681 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q3 2024) to 1.13% (Q2 2026) and its net interest margin ran from 2.67% (Q3 2024) to 3.78% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.78% | 1.13% | 1.67% | 11.33% | 3.78% |
| Q1 2026 | 11.44% | 0.97% | 1.95% | 13.38% | 3.27% |
| Q4 2025 | 11.46% | 0.99% | 1.17% | 8.10% | 3.70% |
| Q3 2025 | 11.50% | 0.98% | 1.87% | 12.23% | 3.31% |
| Q2 2025 | 11.15% | 0.84% | 1.60% | 9.90% | 3.16% |
| Q1 2025 | 10.94% | 1.03% | 1.47% | 9.14% | 3.08% |
| Q4 2024 | 10.59% | 0.72% | 1.07% | 6.94% | 2.99% |
| Q3 2024 | 10.54% | 0.59% | 1.86% | 11.78% | 2.67% |
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 |
|---|---|---|---|
| Raritan State Bank (main office) | Raritan , IL | 61471 | $115.4M |
| Abingdon Banking Center Branch | Abingdon , IL | 61410 | $57.3M |
| Bushnell Banking Center Branch | Bushnell , IL | 61422 | $51.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 194 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 Raritan State Bank
What are Raritan State Bank's total assets?
As of the Q2 2026 filing, Raritan State Bank reported total assets of $253.9 million in its FFIEC call report.
Where is Raritan State Bank headquartered?
It is headquartered in Raritan, IL, United States.
When was Raritan State Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Raritan State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Raritan State Bank?
Raritan State Bank's primary federal regulator is the FDIC.
How many branches does Raritan 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 Raritan State Bank's Texas Ratio?
Its Texas Ratio is 11.33% 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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