Stillman Banccorp, N.A.: 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 dropped 14.17 percentage points in Q2 2026, from 160.06% to 145.89%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Stillman Banccorp, N.A. is 238th of 323 on return on assets, 0.78% as of Q2 2026. Stillman Banccorp, N.A. reported 0.78% on return on assets for Q2 2026, 0.47 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.29% |
| Tier 1 risk-based capital ratio | 18.29% |
| Total risk-based capital ratio | 19.22% |
| Tier 1 leverage ratio | 9.20% |
| Equity capital to assets | 7.70% |
| Tangible equity to tangible assets | 7.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.65% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 3.77% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 145.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 10.40% |
| Net interest margin | 2.85% |
| Efficiency ratio | 71.96% |
| Yield on earning assets | 4.30% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.10% |
| Core deposits to total deposits | 88.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.42% |
| Securities to assets | 42.26% |
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 | 22.56% | 22.56% | 23.37% | 9.63% | 0.96% |
| Q4 2023 | 23.47% | 23.47% | 24.35% | 9.52% | -0.27% |
| Q1 2024 | 23.57% | 23.57% | 24.46% | 9.49% | 0.10% |
| Q2 2024 | 22.39% | 22.39% | 23.25% | 9.89% | 0.34% |
| Q3 2024 | 21.64% | 21.64% | 22.47% | 9.81% | 0.39% |
| Q4 2024 | 21.31% | 21.31% | 22.13% | 9.79% | 0.49% |
| Q1 2025 | 21.36% | 21.36% | 22.21% | 9.37% | 0.35% |
| Q2 2025 | 20.17% | 20.17% | 21.06% | 9.39% | 0.63% |
| Q3 2025 | 19.94% | 19.94% | 20.85% | 9.49% | 0.66% |
| Q4 2025 | 18.54% | 18.54% | 19.42% | 9.48% | 0.63% |
| Q1 2026 | 18.80% | 18.80% | 19.70% | 9.27% | 0.76% |
| Q2 2026 | 18.29% | 18.29% | 19.22% | 9.20% | 0.78% |
Stillman Banccorp, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stillman Banccorp, N.A., 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 Stillman Banccorp, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9263) · FFIEC NIC profile (RSSD 407645)