TellerScore

Anchor State Bank (FDIC certificate #11681) is based in Anchor, Illinois. Its Q2 2026 call report shows $73.5M in total assets and $64.2M in deposits and 1 office.

Anchor State Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 45th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (58/100, 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.61%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 48.3% · 19.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (90 → 84), mostly because the earnings component weakened by 32 points.

TellerScore
708090Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202480
Q4 202478
Q1 202587
Q2 202590
Q3 202570
Q4 202584
Q1 202682
Q2 202684
Tier 1 leverage ratio
5.00%9.38%13.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.76%
Q3 202413.38%
Q4 202412.50%
Q1 202512.24%
Q2 202512.68%
Q3 202512.85%
Q4 202513.08%
Q1 202612.74%
Q2 202612.61%
Noncurrent loans
0.00%0.79%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20251.58%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.22%0.99%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.22%
Q3 20240.38%
Q4 20240.51%
Q1 20251.58%
Q2 20251.76%
Q3 20251.10%
Q4 20250.94%
Q1 20260.84%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$73.5M12.61%0.00%0.96%48.3%
Q1 202682$76.4M12.74%0.00%0.84%43.5%
Q4 202584$65.1M13.08%0.00%0.94%55.6%
Q3 202570$64.8M12.85%1.58%1.10%55.9%
Q2 202590$58.5M12.68%0.00%1.76%64.3%
Q1 202587$64.3M12.24%0.00%1.58%56.4%
Q4 202478$58.5M12.50%0.00%0.51%63.6%
Q3 202480$56.4M13.38%0.00%0.38%65.7%
Q2 202479$52.4M13.76%0.00%0.22%70.4%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.61%
48th
Total risk-based capital23.56%
80th
Problem loans0.00%
84th
Net charge-offs0.18%
13th
Return on assets0.96%
49th
Net interest margin3.65%
36th
Efficiency ratio77.6%
37th
Loans to deposits48.3%
72nd
Uninsured deposits19.6%
35th
Loan-loss reserves0.84%
21st
Texas ratio0.2%
68th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The State Bank of Pearl CityBank Pearl City, IL71 out of 100, Strong$73.4M11.3%0.69%vs
Marseilles BankBank Marseilles, IL56 out of 100, Moderate$77.6M8.3%1.02%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
The First National Bank of AvaBank Ava, IL84 out of 100, Strong$78.3M12.8%0.07%vs
First State Bank of OlmstedBank Olmsted, IL64 out of 100, Moderate$78.4M12.6%2.09%vs
Washington State BankBank Washington, IL61 out of 100, Moderate$79.1M9.1%1.03%vs

Deposit insurance

Is my money safe at Anchor State Bank?

Yes. Anchor State Bank is an FDIC-insured institution (FDIC certificate #11681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.6% of deposits ($12.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.56% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Anchor State Bank lists 1 office in 1 city. Most locations:

  • Anchor, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Anchor State Bank
Type
State-chartered bank
FDIC certificate #
11681
RSSD ID
655530
Primary regulator
FDIC
Holding company
Anchor Bcorp Inc
Established
December 27, 1920
Headquarters
246 2nd St, Anchor, IL 61720
Employees
11

Quick answers

Anchor State Bank: common questions

Is Anchor State Bank FDIC insured?

Yes. Anchor State Bank is an FDIC-insured institution (FDIC certificate #11681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Anchor State Bank's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Anchor State Bank ever failed?

There is no failure record for FDIC certificate #11681 in the FDIC failed bank list.

How many branches does Anchor State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Anchor

InstitutionScoreAssetsCapitalProblem loansCompare
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Peoples State Bank of ColfaxBank Colfax, IL84 out of 100, Strong$49.5M11.7%0.00%vs
Bank of RantoulBank Rantoul, IL82 out of 100, Strong$285.8M10.8%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs