TellerScore

Headquartered in Griggsville, Illinois, Eagle Valley Bank is a state-chartered bank with $229.6M in total assets and $203.0M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1893.

Based on its Q2 2026 filing, Eagle Valley Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 144th. Its strongest component is problem-loan coverage (91/100; 4.5%), and its lowest is capital cushion (54/100; 10.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.44%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 93.3% · 8.5% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.47%

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 rose 13 points (59 → 72), mostly because the earnings component improved by 44 points.

TellerScore
596877Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202470
Q4 202472
Q1 202569
Q2 202559
Q3 202572
Q4 202567
Q1 202677
Q2 202672
Tier 1 leverage ratio
5.00%9.43%13.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.83%
Q3 202413.85%
Q4 202412.84%
Q1 202512.56%
Q2 202510.32%
Q3 202510.65%
Q4 202510.90%
Q1 202610.86%
Q2 202610.44%
Noncurrent loans
0.36%0.84%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.00%
Q3 20241.25%
Q4 20240.93%
Q1 20250.95%
Q2 20251.10%
Q3 20250.49%
Q4 20251.33%
Q1 20260.36%
Q2 20260.60%
Return on assets
0.19%0.90%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.38%
Q4 20240.40%
Q1 20250.19%
Q2 20250.51%
Q3 20251.33%
Q4 20251.50%
Q1 20261.60%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$229.6M10.44%0.60%1.60%93.3%
Q1 202677$229.7M10.86%0.36%1.60%87.7%
Q4 202567$219.1M10.90%1.33%1.50%86.7%
Q3 202572$212.3M10.65%0.49%1.33%90.8%
Q2 202559$213.5M10.32%1.10%0.51%87.2%
Q1 202569$61.5M12.56%0.95%0.19%62.7%
Q4 202472$65.1M12.84%0.93%0.40%58.0%
Q3 202470$60.1M13.85%1.25%0.38%72.7%
Q2 202473$59.3M13.83%1.00%0.60%77.9%

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 ratio10.44%
40th
Total risk-based capital0.00%
24th
Problem loans0.60%
41st
Net charge-offs0.01%
46th
Return on assets1.60%
71st
Net interest margin4.57%
82nd
Efficiency ratio64.9%
43rd
Loans to deposits93.3%
19th
Uninsured deposits8.5%
96th
Loan-loss reserves1.11%
40th
Texas ratio4.5%
38th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank and Trust Company of IllinoisBank Palatine, IL61 out of 100, Moderate$228.6M15.9%8.37%vs
Farmers State Bank of HoffmanBank Hoffman, IL77 out of 100, Strong$232.1M11.9%0.17%vs
West Central BankBank Ashland, IL60 out of 100, Moderate$232.2M11.9%2.10%vs
Anna-Jonesboro National BankBank Anna, IL65 out of 100, Moderate$234.2M14.6%3.00%vs
Warren-Boynton State BankBank New Berlin, IL79 out of 100, Strong$234.5M12.1%0.41%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs

Deposit insurance

Is my money safe at Eagle Valley Bank?

Yes. Eagle Valley Bank is an FDIC-insured institution (FDIC certificate #10883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.5% of deposits ($17.3M) 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 10.44%, 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

5 locations

Branches

Eagle Valley Bank lists 5 offices in 5 cities. Most locations:

  • Bluffs, IL (1)
  • Griggsville, IL (1)
  • Meredosia, IL (1)
  • Mount Sterling, IL (1)
  • Pittsfield, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Eagle Valley Bank
Former names
Bank of Bluffs
Type
State-chartered bank
FDIC certificate #
10883
RSSD ID
695947
Primary regulator
FDIC
Holding company
Griggsville Bancshares Inc
Established
August 3, 1893
Headquarters
108 W Quincy St, Griggsville, IL 62340
Employees
41

Quick answers

Eagle Valley Bank: common questions

Is Eagle Valley Bank FDIC insured?

Yes. Eagle Valley Bank is an FDIC-insured institution (FDIC certificate #10883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Eagle Valley Bank's TellerScore?

72 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 Eagle Valley Bank ever failed?

There is no failure record for FDIC certificate #10883 in the FDIC failed bank list.

How many branches does Eagle Valley Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Griggsville

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of KampsvilleBank Kampsville, IL91 out of 100, Very strong$134.1M17.4%0.01%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
Great Rivers BankBank Barry, IL81 out of 100, Strong$194.6M11.2%0.11%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs