State Bank of Whittington: 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.
Reserve coverage of non-performing loans climbed 1.57 percentage points in Q2 2026, from 61.73% to 63.31%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank of Whittington is 156th of 323 on return on assets, 1.23% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; State Bank of Whittington reported 1.23% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.98% |
| Tier 1 risk-based capital ratio | 15.98% |
| Total risk-based capital ratio | 17.08% |
| Tier 1 leverage ratio | 11.55% |
| Equity capital to assets | 10.61% |
| Tangible equity to tangible assets | 10.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.88% |
| Non-performing assets ratio | 1.28% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 26.28% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 63.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 11.96% |
| Net interest margin | 4.70% |
| Efficiency ratio | 63.74% |
| Yield on earning assets | 5.69% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.24% |
| Core deposits to total deposits | 96.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.66% |
| Securities to assets | 19.90% |
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 | 16.27% | 16.27% | 17.24% | 10.23% | 1.00% |
| Q4 2023 | 14.89% | 14.89% | 15.74% | 10.13% | 0.94% |
| Q1 2024 | 14.48% | 14.48% | 15.33% | 10.11% | 0.97% |
| Q2 2024 | 14.95% | 14.95% | 15.89% | 10.37% | 1.25% |
| Q3 2024 | 16.06% | 16.06% | 17.10% | 10.39% | 1.12% |
| Q4 2024 | — | — | — | 10.63% | 1.19% |
| Q1 2025 | 15.17% | 15.17% | 16.16% | 10.75% | 1.11% |
| Q2 2025 | 15.69% | 15.69% | 16.70% | 11.06% | 1.13% |
| Q3 2025 | 15.21% | 15.21% | 16.46% | 10.87% | 0.13% |
| Q4 2025 | 15.38% | 15.38% | 16.30% | 11.35% | 2.12% |
| Q1 2026 | 15.18% | 15.18% | 16.15% | 11.45% | 1.19% |
| Q2 2026 | 15.98% | 15.98% | 17.08% | 11.55% | 1.23% |
State Bank of Whittington vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Whittington, 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 State Bank of Whittington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19689) · FFIEC NIC profile (RSSD 270148)