Stillman Banccorp, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Stillman Banccorp, N.A. is an FDIC-insured commercial bank headquartered in Stillman Valley, IL, established in 1882 (FDIC certificate 9263), and it is supervised by the OCC. At Q2 2026 it reported total assets of $645.6M, up 5.3% from Q2 2025, the 82nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 18.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 9263
- Headquarters
- Stillman Valley, IL
- Established
- 1882
- Total assets, Q2 2026
- $645.6M
- Assets vs Q2 2025
- +5.3%
- CET1 ratio, Q2 2026
- 18.29%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071916042
- Holding company
- STILLMAN BANCCORP, INC.
- Asset rank in state
- 82nd of 319 in Illinois
Problem loans are rising at Stillman Banccorp, N.A.. Its balance sheet stood at $646 million at June 30, 2026, up 5.3% from a year earlier; it is based in Stillman Valley, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.65% of loans from 0.00% a year earlier. It keeps 2.85 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 18.0% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.3 million, 30% above the same quarter a year earlier. Over the same year, loans grew 18.0% and deposits grew 4.4%. Where it has less room is capital: it funds 9.20% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Stillman Banccorp, N.A. reported a CET1 capital ratio of 18.29%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 3.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Stillman Banccorp, N.A. is the 82nd largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $645.6M, loans rose 7.6% and deposits rose 0.1%. 1-4 family residential loans made up 20.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.7%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in IL; its Rockford office books 33% of its branch deposits. Judged on its Q2 2026 call report, Stillman Banccorp, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Main St, Stillman Valley, IL 61084
- County
- Ogle
- Metro Area
- Rochelle, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 9, 1882
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 113
- Domestic deposits
- $570.9M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$36K
- Average total assets
- $654.8M
- Average total loans
- $290.9M
- Average interest-bearing deposits
- $479.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9263
- Fed RSSD
- 407645
- Website
- www.stillmanbank.com →
- Parent Holding Company
- STILLMAN BANCCORP, INC. (RSSD 1210646)
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
Stillman Banccorp, N.A.'s total assets moved between a low of $568.8M (Q3 2023) and a high of $645.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$645.6M total assets against $613.2M; $595.9M total liabilities against $571.0M.
$300.3M net loans and leases against $254.4M; $570.9M total deposits against $546.8M.
$272.9M securities against $285.4M; $58.7M cash and balances due against $59.9M.
$6.7M total interest income against $6.0M; $2.3M total interest expense against $2.3M.
$4.4M net interest income against $3.7M.
$1.3M total noninterest income against $1.4M; $4.2M total noninterest expense against $3.8M.
$190K provision for credit losses against $255K.
$1.3M net income against $985K.
0.78% return on assets against 0.63%; 2.85% net interest margin against 2.51%.
18.29% CET1 capital ratio against 20.17%; 9.20% tier 1 leverage ratio against 9.39%.
Inside the full Stillman Banccorp, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStillman Banccorp, N.A. rankings
Its closest position to the top of a national ranking is 453 of 2,134, for CET1 ratio; its furthest is 2,925 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q1 2025) to 0.78% (Q2 2026) and its net interest margin ran from 2.02% (Q3 2024) to 2.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.29% | 0.78% | 0.65% | 3.77% | 2.85% |
| Q1 2026 | 18.80% | 0.76% | 0.61% | 3.31% | 2.76% |
| Q4 2025 | 18.54% | 0.63% | 0.60% | 3.30% | 2.66% |
| Q3 2025 | 19.94% | 0.66% | 0.52% | 2.71% | 2.55% |
| Q2 2025 | 20.17% | 0.63% | 0.00% | 0.00% | 2.51% |
| Q1 2025 | 21.36% | 0.35% | 0.00% | 0.00% | 2.23% |
| Q4 2024 | 21.31% | 0.49% | 0.00% | 0.00% | 2.19% |
| Q3 2024 | 21.64% | 0.39% | 0.00% | 0.00% | 2.02% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Rockford Branch | Rockford , IL | 61108 | $189.2M |
| Stillman Banccorp N.A. | Stillman Valley , IL | 61084 | $99.1M |
| Oregon Facility | Oregon , IL | 61061 | $85.1M |
| RoscoeRockton Branch | Roscoe , IL | 61073 | $80.2M |
| Rochelle Facility | Rochelle , IL | 61068 | $67.2M |
| Byron Facility | Byron , IL | 61010 | $50.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 17, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 1988 | Structure Change | Acquired The Stillman Bank of Rochelle Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 98 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 298 applications, 224 loans originated, $45.7M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $512K approved, $512K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Stillman Banccorp, N.A.
What are Stillman Banccorp, N.A.'s total assets?
As of the Q2 2026 filing, Stillman Banccorp, N.A. reported total assets of $645.6 million in its FFIEC call report.
Where is Stillman Banccorp, N.A. headquartered?
It is headquartered in Stillman Valley, IL, United States.
When was Stillman Banccorp, N.A. founded?
It was established in 1882, per the FDIC institution directory.
Is Stillman Banccorp, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stillman Banccorp, N.A.?
Stillman Banccorp, N.A.'s primary federal regulator is the OCC.
What is Stillman Banccorp, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Stillman Banccorp, N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stillman Banccorp, N.A.'s Texas Ratio?
Its Texas Ratio is 3.77% 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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