Teutopolis State Bank
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Data as of · sourced from FFIEC call reports. How we update
Teutopolis State Bank is an FDIC-insured commercial bank headquartered in Teutopolis, IL, established in 1905 (FDIC certificate 11708), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $358.5M, down 3.2% from Q2 2025, the 131st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11708
- Headquarters
- Teutopolis, IL
- Established
- 1905
- Total assets, Q2 2026
- $358.5M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 14.72%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081216169
- Holding company
- TEUTOPOLIS HOLDING COMPANY
- Asset rank in state
- 131st of 319 in Illinois
Teutopolis State Bank runs leaner than most banks of its size. The Teutopolis, Illinois bank had $359 million in assets at June 30, 2026, down 3.2% from a year earlier. It spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Loans and deposits moved in opposite directions: over the year loans rose 1.5% and deposits fell 5.2%. Delinquency has appeared in its $27 million non-owner-occupied commercial real estate book: 0.87% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Teutopolis State Bank reported a return on assets of 1.92%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Teutopolis State Bank is the 131st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $358.5M, loans rose 0.2% and deposits rose 0.2%. 1-4 family residential loans made up 30.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.4%. Its 3 offices in the FDIC Summary of Deposits are in Teutopolis, IL, Sigel, IL and Effingham, IL; its Teutopolis office books 82% of its branch deposits. On its Q2 2026 call report, Teutopolis State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 E Main St, Teutopolis, IL 62467
- County
- Effingham
- Metro Area
- Effingham, IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $309.0M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $357.4M
- Average total loans
- $182.5M
- Average interest-bearing deposits
- $231.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11708
- Fed RSSD
- 134848
- Website
- www.teutopolisstatebank.com →
- Parent Holding Company
- TEUTOPOLIS HOLDING COMPANY (RSSD 1928615)
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, Teutopolis State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Teutopolis State Bank's total assets ran between $314.6M (Q3 2023) and $370.6M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$358.5M total assets against $370.6M; $310.0M total liabilities against $327.1M.
$180.6M net loans and leases against $178.2M; $309.0M total deposits against $326.0M.
$139.4M securities against $137.6M; $26.5M cash and balances due against $43.5M.
$4.1M total interest income against $3.9M; $909K total interest expense against $1.0M.
$3.2M net interest income against $2.9M.
$363K total noninterest income against $331K; $1.3M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$1.7M net income against $1.5M.
1.92% return on assets against 1.70%; 3.70% net interest margin against 3.31%.
14.72% tier 1 leverage ratio against 13.36%.
Inside the full Teutopolis State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTeutopolis State Bank rankings
Its closest position to the top of a national ranking is 109 of 3,606, for efficiency ratio; its furthest is 3,441 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.16% (Q4 2024) to 1.92% (Q2 2026) and its net interest margin ran from 2.95% (Q3 2024) to 3.70% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.72% | 1.92% | 0.00% | 0.00% | 3.70% |
| Q1 2026 | 14.29% | 1.63% | 0.00% | 0.00% | 3.56% |
| Q4 2025 | 13.65% | 1.35% | 0.03% | 0.10% | 3.45% |
| Q3 2025 | 13.92% | 1.65% | 0.43% | 1.57% | 3.47% |
| Q2 2025 | 13.36% | 1.70% | 0.00% | 0.00% | 3.31% |
| Q1 2025 | 13.25% | 1.50% | 0.00% | 0.00% | 3.16% |
| Q4 2024 | 12.87% | 1.16% | 0.00% | 0.00% | 3.06% |
| Q3 2024 | 13.77% | 1.33% | 0.14% | 0.60% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Teutopolis State Bank (main office) | Teutopolis , IL | 62467 | $253.5M |
| Sigel Branch | Sigel , IL | 62462 | $33.2M |
| Effingham Branch | Effingham , IL | 62401 | $22.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 157 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $755K approved, $755K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Teutopolis State Bank
What are Teutopolis State Bank's total assets?
As of the Q2 2026 filing, Teutopolis State Bank reported total assets of $358.5 million in its FFIEC call report.
Where is Teutopolis State Bank headquartered?
It is headquartered in Teutopolis, IL, United States.
When was Teutopolis State Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Teutopolis State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Teutopolis State Bank?
Teutopolis State Bank's primary federal regulator is the Federal Reserve.
How many branches does Teutopolis State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Teutopolis State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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