TellerScore

First National Bank of Steeleville (FDIC certificate #1049) is based in Steeleville, Illinois. Its Q2 2026 call report shows $274.5M in total assets and $229.0M in deposits and 3 offices.

Based on its Q2 2026 filing, First National Bank of Steeleville scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 17th. Its strongest component is earnings (97/100; 1.92%), and its lowest is loan quality (85/100; 0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.55%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings97/100
Return on assets (annualized): 1.92%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 47.8% · 20.3% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.48%

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 (91 → 90).

TellerScore
879195Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 202492
Q4 202492
Q1 202587
Q2 202591
Q3 202591
Q4 202588
Q1 202687
Q2 202690
Tier 1 leverage ratio
5.00%9.73%14.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.46%
Q3 202414.44%
Q4 202413.78%
Q1 202513.09%
Q2 202513.60%
Q3 202513.64%
Q4 202513.01%
Q1 202613.29%
Q2 202613.55%
Noncurrent loans
0.33%0.45%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.46%
Q4 20240.36%
Q1 20250.40%
Q2 20250.33%
Q3 20250.35%
Q4 20250.42%
Q1 20260.58%
Q2 20260.44%
Return on assets
1.67%1.87%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.06%
Q3 20241.95%
Q4 20241.79%
Q1 20251.67%
Q2 20251.92%
Q3 20251.94%
Q4 20251.76%
Q1 20261.82%
Q2 20261.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$274.5M13.55%0.44%1.92%47.8%
Q1 202687$279.4M13.29%0.58%1.82%48.0%
Q4 202588$277.4M13.01%0.42%1.76%56.0%
Q3 202591$277.5M13.64%0.35%1.94%48.3%
Q2 202591$274.3M13.60%0.33%1.92%48.3%
Q1 202587$271.2M13.09%0.40%1.67%48.7%
Q4 202492$258.2M13.78%0.36%1.79%57.4%
Q3 202492$258.7M14.44%0.46%1.95%50.5%
Q2 202495$246.3M14.46%0.34%2.06%51.2%

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 ratio13.55%
79th
Total risk-based capital25.27%
94th
Problem loans0.44%
48th
Net charge-offs0.04%
30th
Return on assets1.92%
85th
Net interest margin3.67%
36th
Efficiency ratio50.9%
81st
Loans to deposits47.8%
93rd
Uninsured deposits20.3%
64th
Loan-loss reserves1.07%
35th
Texas ratio1.5%
64th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
SouthernTrust BankBank Marion, IL47 out of 100, Below average$278.5M10.2%2.59%vs
The Farmers and Merchants National Bank of NashvilleBank Nashville, IL78 out of 100, Strong$270.3M11.6%0.61%vs
North Shore Trust and SavingsBank Waukegan, IL74 out of 100, Strong$270.3M25.2%1.87%vs
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Community First Bank of the HeartlandBank Mount Vernon, IL76 out of 100, Strong$266.8M10.1%0.66%vs
First Bank of ManhattanBank Manhattan, IL79 out of 100, Strong$265.9M10.2%0.00%vs

Deposit insurance

Is my money safe at First National Bank of Steeleville?

Yes. First National Bank of Steeleville is an FDIC-insured institution (FDIC certificate #1049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.3% of deposits ($46.4M) 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 13.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.27% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First National Bank of Steeleville lists 3 offices in 3 cities. Most locations:

  • Percy, IL (1)
  • Sparta, IL (1)
  • Steeleville, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank of Steeleville
Former names
State Bank of Steeleville
Type
National bank
FDIC certificate #
1049
RSSD ID
129349
Primary regulator
OCC
Holding company
Steeleville Bancshares Inc
Established
November 1, 1902
Headquarters
400 W Broadway, Steeleville, IL 62288
Employees
35

Quick answers

First National Bank of Steeleville: common questions

Is First National Bank of Steeleville FDIC insured?

Yes. First National Bank of Steeleville is an FDIC-insured institution (FDIC certificate #1049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Steeleville's TellerScore?

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

Has First National Bank of Steeleville ever failed?

There is no failure record for FDIC certificate #1049 in the FDIC failed bank list.

How many branches does First National Bank of Steeleville have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Steeleville

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of SpartaBank Sparta, IL84 out of 100, Strong$114.6M12.6%0.56%vs
The First National Bank of AvaBank Ava, IL84 out of 100, Strong$78.3M12.8%0.07%vs
Buena Vista National BankBank Chester, IL77 out of 100, Strong$344.0M11.1%0.36%vs
First State Bank of Campbell HillBank Campbell Hill, IL76 out of 100, Strong$160.1M13.8%1.59%vs
Bloomsdale BankBank Bloomsdale, MO73 out of 100, Strong$390.2M8.9%0.30%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs