TellerScore

Community Bank (FDIC certificate #10791) is based in Winslow, Illinois. Its Q2 2026 call report shows $310.8M in total assets and $210.7M in deposits and 4 offices.

Based on its Q2 2026 filing, Community Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 115th. Its strongest component is capital cushion (100/100; 16.02%), and its lowest is loan quality (50/100; 1.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.02%
Loan quality50/100
Noncurrent loans ÷ total loans: 1.50%
Earnings78/100
Return on assets (annualized): 1.46%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 102.1% · 16.4% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.92%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

TellerScore
748290Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202489
Q4 202476
Q1 202575
Q2 202574
Q3 202575
Q4 202575
Q1 202677
Q2 202675
Tier 1 leverage ratio
5.00%10.51%16.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.83%
Q3 202415.73%
Q4 202415.55%
Q1 202515.79%
Q2 202515.90%
Q3 202515.88%
Q4 202515.89%
Q1 202615.97%
Q2 202616.02%
Noncurrent loans
0.20%0.87%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.21%
Q4 20241.53%
Q1 20251.51%
Q2 20251.55%
Q3 20251.48%
Q4 20251.40%
Q1 20261.38%
Q2 20261.50%
Return on assets
1.34%1.57%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.81%
Q3 20241.73%
Q4 20241.49%
Q1 20251.41%
Q2 20251.34%
Q3 20251.45%
Q4 20251.42%
Q1 20261.57%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$310.8M16.02%1.50%1.46%102.1%
Q1 202677$304.1M15.97%1.38%1.57%104.6%
Q4 202575$298.7M15.89%1.40%1.42%105.9%
Q3 202575$296.6M15.88%1.48%1.45%102.3%
Q2 202574$289.9M15.90%1.55%1.34%101.0%
Q1 202575$287.3M15.79%1.51%1.41%98.7%
Q4 202476$288.8M15.55%1.53%1.49%96.8%
Q3 202489$285.2M15.73%0.21%1.73%98.8%
Q2 202490$277.3M15.83%0.20%1.81%102.4%

2,650 peers · $100 million – $1 billion

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 ratio16.02%
90th
Total risk-based capital24.99%
93rd
Problem loans1.50%
18th
Net charge-offs-0.06%
96th
Return on assets1.46%
63rd
Net interest margin2.91%
8th
Efficiency ratio48.6%
86th
Loans to deposits102.1%
8th
Uninsured deposits16.4%
78th
Loan-loss reserves0.90%
18th
Texas ratio6.9%
27th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of GraymontBank Graymont, IL51 out of 100, Below average$312.7M11.8%3.61%vs
Hometown National BankBank La Salle, IL78 out of 100, Strong$307.2M11.3%0.17%vs
First Secure State BankBank Wonder Lake, IL68 out of 100, Moderate$305.6M13.0%1.31%vs
Holcomb BankBank Rochelle, IL72 out of 100, Strong$304.8M8.8%0.03%vs
Longview Community BankBank Mount Pulaski, IL45 out of 100, Below average$316.8M8.5%2.40%vs
Tompkins State BankBank Avon, IL73 out of 100, Strong$303.5M9.8%0.20%vs

Deposit insurance

Is my money safe at Community Bank?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #10791). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.4% of deposits ($34.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.99% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Community Bank lists 4 offices in 4 cities. Most locations:

  • Lena, IL (1)
  • Orangeville, IL (1)
  • Warren, IL (1)
  • Winslow, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community Bank
Former names
State Bank Winslow-Warren; State Bank of Winslow
Type
State-chartered bank
FDIC certificate #
10791
RSSD ID
430344
Primary regulator
FDIC
Holding company
Stateline Cmty Bancshares Inc
Established
October 15, 1915
Headquarters
233 Carver St, Winslow, IL 61089
Employees
16

Quick answers

Community Bank: common questions

Is Community Bank FDIC insured?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #10791). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank's TellerScore?

75 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 Community Bank ever failed?

There is no failure record for FDIC certificate #10791 in the FDIC failed bank list.

How many branches does Community Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winslow

InstitutionScoreAssetsCapitalProblem loansCompare
Blackhawk Area Credit UnionCredit union Savanna, IL79 out of 100, Strong$39.1M13.4%0.13%vs
Apple River State BankBank Apple River, IL74 out of 100, Strong$675.2M9.7%0.24%vs
The State Bank of Pearl CityBank Pearl City, IL71 out of 100, Strong$73.4M11.3%0.69%vs
Bank First, N.A.Bank Manitowoc, WI68 out of 100, Moderate$5.9B9.3%0.56%vs
Citizens State BankBank Lena, IL67 out of 100, Moderate$453.3M9.6%1.23%vs
Summit Credit UnionCredit union Madison, WI67 out of 100, Moderate$8.5B10.3%0.65%vs