Eureka Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.01% from 0.81% in the prior period. Operating from LA Salle, IL, Eureka Savings Bank serves its local market as an FDIC-insured commercial bank. Eureka Savings's Q2 2026 balance sheet shows $436M in assets funded primarily by $319M in customer deposits. Earnings are mid-range, 0.82% ROA and a 3.39% net interest margin. Regulatory capital is solid, 38.19% CET1 and 39.44% total risk-based capital ratio. Credit metrics show stress, 3.01% NPLs and a 8.85% Texas Ratio above the 100% historical failure threshold. It operates 5 branches, primarily in Illinois.
As of June 30, 2026, Eureka Savings Bank reported a CET1 capital ratio of 38.19%, a return on assets of 0.82%, a nonperforming-loan ratio of 3.01%, a Texas ratio of 8.85%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 250 Marquette St, La Salle, IL 61301
- 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, 1885
- Offices
- 5 domestic
- Employees (FTE)
- 50
- Domestic deposits
- $319.5M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $21K
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28401
- Fed RSSD
- 587677
- Website
- http://www.eurekasavings.com →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Eureka Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Eureka Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Eureka Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Eureka Savings Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.19% | 0.82% | 3.01% | 8.85% | 3.39% |
| Q1 2026 | 38.52% | 0.94% | 0.81% | 2.33% | 3.25% |
| Q4 2025 | 37.48% | 0.87% | 0.89% | 2.59% | 3.22% |
| Q3 2025 | 39.41% | 1.13% | 0.92% | 2.65% | 3.06% |
| Q2 2025 | 39.19% | 1.05% | 1.01% | 2.96% | 3.10% |
| Q1 2025 | 37.87% | 0.93% | 1.11% | 3.21% | 2.88% |
| Q4 2024 | 36.73% | 1.05% | 0.97% | 3.03% | 2.95% |
| Q3 2024 | 36.40% | 0.86% | 0.95% | 3.03% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Eureka Savings Bank (main office) | La Salle , IL | 61301 | $137.8M |
| Mendota Branch | Mendota , IL | 61342 | $54.1M |
| Oglesby Branch | Oglesby , IL | 61348 | $51.2M |
| Wenona Branch | Wenona , IL | 61377 | $41.3M |
| Peru Branch | Peru , IL | 61354 | $35.2M |
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 |
|---|---|---|---|
| May 1, 2021 | Structure Change | Acquired Wenona State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 31, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 1989 | Structure Change | Acquired Mendota Savings and Loan Association 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 4 events.
Regulatory record
What the public regulatory sources show for Eureka Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 152 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Eureka Savings Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Eureka Savings Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Eureka Savings Bank
What are Eureka Savings Bank's total assets?
As of the Q2 2026 filing, Eureka Savings Bank reported total assets of $435.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Eureka Savings Bank headquartered?
Eureka Savings Bank is headquartered in La Salle, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Eureka Savings Bank founded?
Eureka Savings Bank was established in 1885, per the FDIC institution directory.
Is Eureka Savings Bank FDIC-insured?
Yes. Eureka Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #28401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eureka Savings Bank?
Eureka Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Eureka Savings Bank's CET1 capital ratio?
Eureka Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 38.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Eureka Savings Bank operate?
Eureka Savings Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eureka Savings Bank's Texas Ratio?
Eureka Savings Bank's Texas Ratio is 8.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Eureka Savings Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Eureka Savings Bank, freeFree account