TellerScore

Headquartered in Campbell Hill, Illinois, First State Bank of Campbell Hill is a state-chartered bank with $160.1M in total assets and $136.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1921.

Based on its Q2 2026 filing, First State Bank of Campbell Hill scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 103rd. Its strongest component is capital cushion (88/100; 13.82%), and its lowest is loan quality (47/100; 1.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Tier 1 leverage ratio: 13.82%
Loan quality47/100
Noncurrent loans ÷ total loans: 1.59%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 77.5% · 14.8% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.34%

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 9 points (85 → 76), mostly because the loan quality component weakened by 40 points.

TellerScore
748187Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202484
Q4 202483
Q1 202586
Q2 202585
Q3 202587
Q4 202574
Q1 202676
Q2 202676
Tier 1 leverage ratio
5.00%9.41%13.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.75%
Q3 202413.02%
Q4 202412.77%
Q1 202513.17%
Q2 202513.20%
Q3 202513.56%
Q4 202513.21%
Q1 202613.55%
Q2 202613.82%
Noncurrent loans
0.17%0.88%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.22%
Q4 20240.24%
Q1 20250.17%
Q2 20250.40%
Q3 20250.27%
Q4 20251.56%
Q1 20261.48%
Q2 20261.59%
Return on assets
1.25%1.44%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.27%
Q4 20241.27%
Q1 20251.49%
Q2 20251.50%
Q3 20251.53%
Q4 20251.50%
Q1 20261.53%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$160.1M13.82%1.59%1.62%77.5%
Q1 202676$161.0M13.55%1.48%1.53%75.7%
Q4 202574$160.0M13.21%1.56%1.50%75.6%
Q3 202587$158.5M13.56%0.27%1.53%76.4%
Q2 202585$159.1M13.20%0.40%1.50%75.7%
Q1 202586$160.0M13.17%0.17%1.49%75.3%
Q4 202483$159.5M12.77%0.24%1.27%72.6%
Q3 202484$159.9M13.02%0.22%1.27%73.4%
Q2 202482$155.3M12.75%0.33%1.25%74.7%

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 ratio13.82%
81st
Total risk-based capital22.75%
91st
Problem loans1.59%
17th
Net charge-offs0.02%
41st
Return on assets1.62%
72nd
Net interest margin4.33%
72nd
Efficiency ratio50.4%
82nd
Loans to deposits77.5%
55th
Uninsured deposits14.8%
82nd
Loan-loss reserves0.91%
18th
Texas ratio8.3%
22nd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Brickyard BankBank Lincolnwood, IL84 out of 100, Strong$159.0M15.6%0.13%vs
The First National Bank of ArenzvilleBank Arenzville, IL76 out of 100, Strong$158.7M8.8%0.05%vs
Philo Exchange BankBank Philo, IL76 out of 100, Strong$156.6M10.2%0.02%vs
North Central BankBank Hennepin, IL82 out of 100, Strong$165.9M12.3%0.26%vs
Farmers State Bank of Western IllinoisBank Alpha, IL74 out of 100, Strong$167.3M14.1%1.74%vs
First Security BankBank Mackinaw, IL69 out of 100, Moderate$151.1M9.2%0.00%vs

Deposit insurance

Is my money safe at First State Bank of Campbell Hill?

Yes. First State Bank of Campbell Hill is an FDIC-insured institution (FDIC certificate #10799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.8% of deposits ($20.2M) 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 13.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.75% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First State Bank of Campbell Hill lists 3 offices in 3 cities. Most locations:

  • Campbell Hill, IL (1)
  • Coulterville, IL (1)
  • Steeleville, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of Campbell Hill
Type
State-chartered bank
FDIC certificate #
10799
RSSD ID
698546
Primary regulator
FDIC
Holding company
Campbell Hill Bancshares Inc
Established
January 1, 1921
Headquarters
114 W Front St, Campbell Hill, IL 62916
Employees
27

Quick answers

First State Bank of Campbell Hill: common questions

Is First State Bank of Campbell Hill FDIC insured?

Yes. First State Bank of Campbell Hill is an FDIC-insured institution (FDIC certificate #10799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Campbell Hill's TellerScore?

76 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 First State Bank of Campbell Hill ever failed?

There is no failure record for FDIC certificate #10799 in the FDIC failed bank list.

How many branches does First State Bank of Campbell Hill have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Campbell Hill

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of SteelevilleBank Steeleville, IL90 out of 100, Very strong$274.5M13.5%0.44%vs
Carbondale Highway Credit UnionCredit union Carbondale, IL90 out of 100, Very strong$5.6M15.6%0.00%vs
The First National Bank of AvaBank Ava, IL84 out of 100, Strong$78.3M12.8%0.07%vs
The First National Bank of SpartaBank Sparta, IL84 out of 100, Strong$114.6M12.6%0.56%vs
Du Quoin State BankBank Du Quoin, IL78 out of 100, Strong$148.2M10.8%0.00%vs
The Farmers and Merchants National Bank of NashvilleBank Nashville, IL78 out of 100, Strong$270.3M11.6%0.61%vs