TellerScore

Buckley State Bank (FDIC certificate #12121) is based in Buckley, Illinois. Its Q2 2026 call report shows $49.0M in total assets and $42.7M in deposits and 1 office.

Buckley State Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 231st. Funding & liquidity contributes the most (86/100, 74% loans-to-deposits, 8% uninsured); loan quality contributes the least (40/100, 1.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.89%
Loan quality40/100
Noncurrent loans ÷ total loans: 1.79%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 74.0% · 8.4% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.47%

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 4 points (68 → 64), mostly because the earnings component weakened by 30 points.

TellerScore
546983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202483
Q4 202466
Q1 202567
Q2 202568
Q3 202565
Q4 202558
Q1 202654
Q2 202664
Tier 1 leverage ratio
5.00%8.95%12.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.14%
Q3 202412.13%
Q4 202412.05%
Q1 202512.44%
Q2 202512.52%
Q3 202512.90%
Q4 202512.79%
Q1 202612.79%
Q2 202612.89%
Noncurrent loans
0.01%1.40%2.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20241.43%
Q1 20252.28%
Q2 20251.75%
Q3 20252.03%
Q4 20252.80%
Q1 20262.75%
Q2 20261.79%
Return on assets
0.41%1.12%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20241.12%
Q4 20240.96%
Q1 20251.82%
Q2 20251.40%
Q3 20251.29%
Q4 20251.12%
Q1 20260.41%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$49.0M12.89%1.79%0.65%74.0%
Q1 202654$50.5M12.79%2.75%0.41%69.2%
Q4 202558$48.6M12.79%2.80%1.12%79.0%
Q3 202565$49.2M12.90%2.03%1.29%83.9%
Q2 202568$49.7M12.52%1.75%1.40%80.2%
Q1 202567$48.5M12.44%2.28%1.82%75.2%
Q4 202466$49.6M12.05%1.43%0.96%80.0%
Q3 202483$50.5M12.13%0.01%1.12%71.7%
Q2 202475$50.4M11.14%0.01%0.59%74.0%

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 ratio12.89%
51st
Total risk-based capital0.00%
27th
Problem loans1.79%
22nd
Net charge-offs0.93%
3rd
Return on assets0.65%
33rd
Net interest margin4.84%
84th
Efficiency ratio36.2%
98th
Loans to deposits74.0%
39th
Uninsured deposits8.4%
83rd
Loan-loss reserves1.42%
64th
Texas ratio8.5%
22nd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State Bank of ColfaxBank Colfax, IL84 out of 100, Strong$49.5M11.7%0.00%vs
Farmers & Merchants Bank of HutsonvilleBank Hutsonville, IL95 out of 100, Very strong$52.0M18.5%0.00%vs
Table Grove State BankBank Table Grove, IL57 out of 100, Moderate$45.9M12.5%1.65%vs
Camp Grove State BankBank Camp Grove, IL65 out of 100, Moderate$53.1M10.5%0.00%vs
Community Bank of EastonBank Easton, IL85 out of 100, Very strong$43.0M16.3%0.00%vs
Community National Bank in MonmouthBank Monmouth, IL77 out of 100, Strong$55.1M13.1%0.90%vs

Deposit insurance

Is my money safe at Buckley State Bank?

Yes. Buckley State Bank is an FDIC-insured institution (FDIC certificate #12121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.4% of deposits ($3.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

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

  • Buckley, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Buckley State Bank
Type
State-chartered bank
FDIC certificate #
12121
RSSD ID
316934
Primary regulator
FDIC
Holding company
Buckley Bcorp Inc
Established
November 19, 1920
Headquarters
102 S Railroad Ave, Buckley, IL 60918
Employees
9

Quick answers

Buckley State Bank: common questions

Is Buckley State Bank FDIC insured?

Yes. Buckley State Bank is an FDIC-insured institution (FDIC certificate #12121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Buckley State Bank's TellerScore?

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

Has Buckley State Bank ever failed?

There is no failure record for FDIC certificate #12121 in the FDIC failed bank list.

How many branches does Buckley State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Buckley

InstitutionScoreAssetsCapitalProblem loansCompare
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Frederick Community Bank, TheBank Paxton, IL84 out of 100, Strong$196.1M10.4%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