State Bank of Whittington
Asset quality shifted last quarter — NPLs rose to 1.77% from 0.82% in the prior period. Operating from Benton, IL, State Bank of Whittington serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $179M in assets, including $120M in loans. Earnings are mid-range — 1.19% ROA and a 4.52% net interest margin. Capital cushions are healthy: 15.18% CET1, 11.45% Tier 1 leverage. Asset quality merits closer attention with NPLs at 1.77%. It operates 5 branches, primarily in Illinois.
Headquarters Profile
- Address
- 200 N Main St, BENTON, IL 62812
- County
- Franklin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- August 5, 1919
- Branches
- 5 domestic
- Employees (FTE)
- 47
- FDIC Cert
- 19689
- Fed RSSD
- 270148
- Parent Holding Company
- WHITTINGTON BANCORP, INC. (RSSD 1140725)
Capital & Liquidity
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State Bank of Whittington rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about State Bank of Whittington
What are State Bank of Whittington's total assets?
As of the Q1 2026 filing, State Bank of Whittington reported total assets of $178.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank of Whittington headquartered?
State Bank of Whittington is headquartered in BENTON, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank of Whittington founded?
State Bank of Whittington was established in 1919, per the FDIC institution directory.
Is State Bank of Whittington FDIC-insured?
Yes. State Bank of Whittington is an FDIC-insured commercial bank (FDIC Certificate #19689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Whittington?
State Bank of Whittington's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank of Whittington's CET1 capital ratio?
State Bank of Whittington reported a Common Equity Tier 1 (CET1) capital ratio of 15.18% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does State Bank of Whittington operate?
State Bank of Whittington operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank of Whittington's Texas Ratio?
State Bank of Whittington's Texas Ratio is 18.42% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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