TellerScore

Eureka Savings Bank is a si headquartered in La Salle, Illinois, in business for about 141 years. At the end of Q2 2026 it reported $435.8M in total assets and $319.5M in deposits, with 5 offices.

Eureka Savings Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 243rd. Capital cushion contributes the most (100/100, 21.56%); loan quality contributes the least (0/100, 3.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 21.56%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.05%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 83.7% · 10.9% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.81%

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 19 points (80 → 61), mostly because the loan quality component weakened by 66 points.

TellerScore
617181Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202479
Q4 202480
Q1 202579
Q2 202580
Q3 202581
Q4 202581
Q1 202681
Q2 202661
Tier 1 leverage ratio
5.00%13.34%21.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202421.19%
Q3 202421.24%
Q4 202421.27%
Q1 202521.25%
Q2 202521.38%
Q3 202521.68%
Q4 202521.61%
Q1 202621.53%
Q2 202621.56%
Noncurrent loans
0.81%1.93%3.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.84%
Q3 20241.03%
Q4 20241.01%
Q1 20251.11%
Q2 20251.01%
Q3 20250.93%
Q4 20250.89%
Q1 20260.81%
Q2 20263.05%
Return on assets
0.89%0.97%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.96%
Q3 20240.93%
Q4 20240.97%
Q1 20250.94%
Q2 20251.00%
Q3 20251.05%
Q4 20251.01%
Q1 20260.95%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$435.8M21.56%3.05%0.89%83.7%
Q1 202681$439.4M21.53%0.81%0.95%81.7%
Q4 202581$431.5M21.61%0.89%1.01%83.4%
Q3 202581$422.6M21.68%0.93%1.05%81.7%
Q2 202580$419.7M21.38%1.01%1.00%80.9%
Q1 202579$421.1M21.25%1.11%0.94%78.9%
Q4 202480$413.0M21.27%1.01%0.97%81.5%
Q3 202479$410.8M21.24%1.03%0.93%82.2%
Q2 202481$405.1M21.19%0.84%0.96%80.7%

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 ratio21.56%
97th
Total risk-based capital39.44%
98th
Problem loans3.05%
6th
Net charge-offs0.02%
42nd
Return on assets0.89%
28th
Net interest margin3.30%
20th
Efficiency ratio56.8%
67th
Loans to deposits83.7%
41st
Uninsured deposits10.9%
92nd
Loan-loss reserves1.16%
46th
Texas ratio8.8%
21st

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Community State BankBank Galva, IL62 out of 100, Moderate$441.9M9.4%1.38%vs
Grand Ridge National BankBank Wheaton, IL79 out of 100, Strong$443.3M13.8%0.76%vs
The City National Bank of MetropolisBank Metropolis, IL67 out of 100, Moderate$444.4M13.8%1.68%vs
Better BanksBank Peoria, IL59 out of 100, Moderate$445.8M9.4%1.55%vs
First Federal Savings BankBank Ottawa, IL57 out of 100, Moderate$421.9M10.7%1.32%vs
Union National Bank and Trust Company of ElginBank Elgin, IL73 out of 100, Strong$421.8M9.9%0.00%vs

Deposit insurance

Is my money safe at Eureka Savings Bank?

Yes. Eureka Savings Bank is an FDIC-insured institution (FDIC certificate #28401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.9% of deposits ($34.7M) 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 21.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 39.44% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Eureka Savings Bank lists 5 offices in 5 cities. Most locations:

  • La Salle, IL (1)
  • Mendota, IL (1)
  • Oglesby, IL (1)
  • Peru, IL (1)
  • Wenona, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Eureka Savings Bank reported 156 home-loan applications under HMDA (LEI 5493008OT4ENLBQE0648): 134 originated ($20,380,000 total), 11 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Eureka Savings Bank
Former names
Eureka Savings and Loan Association of La Salle
Type
SI
FDIC certificate #
28401
RSSD ID
587677
Primary regulator
FDIC
Established
January 1, 1885
Headquarters
250 Marquette St, La Salle, IL 61301
Employees
50

Quick answers

Eureka Savings Bank: common questions

Is Eureka Savings Bank FDIC insured?

Yes. Eureka Savings Bank is an FDIC-insured institution (FDIC certificate #28401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Eureka Savings Bank's TellerScore?

61 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 Eureka Savings Bank ever failed?

There is no failure record for FDIC certificate #28401 in the FDIC failed bank list.

How many branches does Eureka Savings Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near La Salle

InstitutionScoreAssetsCapitalProblem loansCompare
Ottawa Hiway Credit UnionCredit union Ottawa, IL100 out of 100, Very strong$16.3M16.7%0.00%vs
Peru Federal Savings BankBank Peru, IL87 out of 100, Very strong$208.5M16.4%0.28%vs
Spring Valley City BankBank Spring Valley, IL84 out of 100, Strong$207.0M13.9%0.18%vs
Financial Plus Credit UnionCredit union Ottawa, IL84 out of 100, Strong$607.4M13.2%0.45%vs
Streator Onized Credit UnionCredit union Streator, IL84 out of 100, Strong$423.3M15.6%0.47%vs
North Central BankBank Hennepin, IL82 out of 100, Strong$165.9M12.3%0.26%vs