Teutopolis State Bank: 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.18 percentage points higher than in Q1 2026, at 93.13%. Within Illinois, Teutopolis State Bank is 35th of 323 on return on assets, 1.92% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Teutopolis State Bank reported 1.92% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.72% |
| Equity capital to assets | 13.53% |
| Tangible equity to tangible assets | 13.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 14.36% |
| Net interest margin | 3.70% |
| Efficiency ratio | 36.26% |
| Yield on earning assets | 4.74% |
| Cost of funds | 1.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.24% |
| Core deposits to total deposits | 93.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.19% |
| Securities to assets | 38.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.63% | 1.26% | 2.87% | 0.00% | 0.00% |
| Q4 2023 | 13.16% | 0.99% | 2.76% | 0.00% | 0.01% |
| Q1 2024 | 13.64% | 1.26% | 2.81% | 0.15% | 0.00% |
| Q2 2024 | 13.31% | 1.26% | 2.80% | 0.17% | 0.00% |
| Q3 2024 | 13.77% | 1.33% | 2.95% | 0.14% | 0.08% |
| Q4 2024 | 12.87% | 1.16% | 3.06% | 0.00% | 0.02% |
| Q1 2025 | 13.25% | 1.50% | 3.16% | 0.00% | -0.01% |
| Q2 2025 | 13.36% | 1.70% | 3.31% | 0.00% | -0.01% |
| Q3 2025 | 13.92% | 1.65% | 3.47% | 0.43% | -0.01% |
| Q4 2025 | 13.65% | 1.35% | 3.45% | 0.03% | -0.01% |
| Q1 2026 | 14.29% | 1.63% | 3.56% | 0.00% | 0.09% |
| Q2 2026 | 14.72% | 1.92% | 3.70% | 0.00% | -0.11% |
Teutopolis State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Teutopolis State Bank, 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 Teutopolis State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11708) · FFIEC NIC profile (RSSD 134848)