Streator Home Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Streator Home Savings Bank is an FDIC-insured savings bank headquartered in Streator, IL, established in 1894 (FDIC certificate 30357), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $137.0M, down 12.9% from Q2 2025, the 235th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30357
- Headquarters
- Streator, IL
- Established
- 1894
- Total assets, Q2 2026
- $137.0M
- Assets vs Q2 2025
- -12.9%
- Tier 1 leverage ratio, Q2 2026
- 21.99%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 271973542
- Latest call report
- Q2 2026, FFIEC 051 · Streator Home Savings Bank call report
- Asset rank in state
- 235th of 319 in Illinois
Streator Home Savings Bank carries far more capital than most banks of its size. Based in Streator, Illinois, it had $137 million in assets at June 30, 2026, down 12.9% from a year earlier. It funds 21.99% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.19% of loans, down from 1.53% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 0.9% and deposits fell 2.2%. Profitability lags: it returns 7.4% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Streator Home Savings Bank reported a return on assets of 1.55%, a nonperforming-loan ratio of 1.19% and a Texas ratio of 1.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Streator Home Savings Bank is the 235th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans were flat and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 92.1% of total loans, followed by auto loans at 3.3%. The FDIC Summary of Deposits lists a single office for it, in Streator, IL. By the capital ratios in its Q2 2026 call report, Streator Home Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 132 S Monroe St, Streator, IL 61364
- County
- Lasalle
- Metro Area
- Ottawa, IL
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1894
- Former names
- Streator Home Building and Loan Association, S.B. (2013-2015)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $106.5M
- Allowance for credit losses
- $294K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $136.5M
- Average total loans
- $40.0M
- Average interest-bearing deposits
- $105.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30357
- Fed RSSD
- 142179
- Website
- www.streatorhome.com →
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, Streator Home Savings 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, Streator Home Savings Bank's total assets ranged from $137.0M (Q1 2026) to $165.2M (Q3 2023), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$137.0M total assets against $157.3M; $108.2M total liabilities against $114.5M.
$39.7M net loans and leases against $39.4M; $106.5M total deposits against $108.9M.
$78.2M securities against $108.7M; $13.2M cash and balances due against $3.6M.
$1.4M total interest income against $1.0M; $415K total interest expense against $514K.
$1.0M net interest income against $519K.
$17K total noninterest income against $13K; $509K total noninterest expense against $505K.
$0 provision for credit losses against $0.
$528K net income against $27K.
1.55% return on assets against 0.07%; 3.09% net interest margin against 1.35%.
21.99% tier 1 leverage ratio against 27.44%.
Inside the full Streator Home Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStreator Home Savings Bank rankings
Its closest position to the top of a national ranking is 707 of 3,606, for efficiency ratio; its furthest is 3,398 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -37.61% (Q1 2026) to 1.55% (Q2 2026) and its net interest margin ran from 1.12% (Q4 2024) to 3.09% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.99% | 1.55% | 1.19% | 1.64% | 3.09% |
| Q1 2026 | 19.73% | -37.61% | 1.22% | 1.69% | 2.67% |
| Q4 2025 | 28.04% | -0.14% | 1.42% | 1.31% | 1.37% |
| Q3 2025 | 27.40% | -0.09% | 1.01% | 0.92% | 1.42% |
| Q2 2025 | 27.44% | 0.07% | 1.53% | 1.41% | 1.35% |
| Q1 2025 | 27.19% | -0.11% | 1.76% | 1.56% | 1.17% |
| Q4 2024 | 27.19% | -0.50% | 1.67% | 1.49% | 1.12% |
| Q3 2024 | 26.84% | -0.18% | 1.74% | 1.53% | 1.16% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Streator Home Savings Bank (main office) | Streator , IL | 61364 | $106.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 290 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 Streator Home Savings Bank
What are Streator Home Savings Bank's total assets?
As of the Q2 2026 filing, Streator Home Savings Bank reported total assets of $137.0 million in its FFIEC call report.
Where is Streator Home Savings Bank headquartered?
It is headquartered in Streator, IL, United States.
When was Streator Home Savings Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Streator Home Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30357). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Streator Home Savings Bank?
Streator Home Savings Bank's primary federal regulator is the FDIC.
How many branches does Streator Home Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Streator Home Savings Bank's Texas Ratio?
Its Texas Ratio is 1.64% 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.
What was Streator Home Savings Bank previously called?
The charter now named Streator Home Savings Bank has also operated as Streator Home Building and Loan Association, S.B. (2013-2015), per FDIC structure-change records.
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