TellerScore

First State Bank Shannon-Polo is a state-chartered bank headquartered in Shannon, Illinois, in business for about 96 years. At the end of Q2 2026 it reported $190.5M in total assets and $167.1M in deposits, with 3 offices.

First State Bank Shannon-Polo has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 290th. Funding & liquidity contributes the most (93/100, 65% loans-to-deposits, 18% uninsured); loan quality contributes the least (12/100, 2.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.31%
Loan quality12/100
Noncurrent loans ÷ total loans: 2.64%
Earnings58/100
Return on assets (annualized): 0.94%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 64.6% · 17.7% uninsured
Problem-loan coverage67/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.62%

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 4 points (55 → 51), mostly because the loan quality component weakened by 18 points.

TellerScore
495764Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202458
Q4 202461
Q1 202561
Q2 202555
Q3 202564
Q4 202564
Q1 202649
Q2 202651
Tier 1 leverage ratio
5.00%7.66%10.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.31%
Q3 20249.30%
Q4 20249.26%
Q1 20259.25%
Q2 20259.58%
Q3 20259.84%
Q4 20259.71%
Q1 202610.03%
Q2 202610.31%
Noncurrent loans
1.18%2.34%3.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.54%
Q3 20241.55%
Q4 20241.24%
Q1 20251.32%
Q2 20252.09%
Q3 20251.23%
Q4 20251.18%
Q1 20263.51%
Q2 20262.64%
Return on assets
0.80%1.05%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.84%
Q4 20240.80%
Q1 20250.85%
Q2 20250.99%
Q3 20251.03%
Q4 20251.06%
Q1 20261.31%
Q2 20260.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$190.5M10.31%2.64%0.94%64.6%
Q1 202649$192.0M10.03%3.51%1.31%65.1%
Q4 202564$195.2M9.71%1.18%1.06%62.5%
Q3 202564$190.8M9.84%1.23%1.03%61.2%
Q2 202555$188.4M9.58%2.09%0.99%58.6%
Q1 202561$192.6M9.25%1.32%0.85%57.3%
Q4 202461$191.4M9.26%1.24%0.80%60.9%
Q3 202458$195.1M9.30%1.55%0.84%60.3%
Q2 202458$193.6M9.31%1.54%0.92%61.1%

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 ratio10.31%
38th
Total risk-based capital14.69%
66th
Problem loans2.64%
8th
Net charge-offs0.53%
5th
Return on assets0.94%
31st
Net interest margin3.11%
13th
Efficiency ratio69.3%
32nd
Loans to deposits64.6%
77th
Uninsured deposits17.7%
73rd
Loan-loss reserves1.17%
47th
Texas ratio16.6%
9th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Jersey State BankBank Jerseyville, IL75 out of 100, Strong$190.1M13.3%1.18%vs
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
The First National Bank in TremontBank Tremont, IL67 out of 100, Moderate$187.6M9.9%0.66%vs
Prairie Community BankBank Marengo, IL39 out of 100, Low$187.5M8.8%2.82%vs
The First National Bank of RaymondBank Raymond, IL78 out of 100, Strong$187.1M10.9%0.42%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs

Deposit insurance

Is my money safe at First State Bank Shannon-Polo?

Yes. First State Bank Shannon-Polo is an FDIC-insured institution (FDIC certificate #1781). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.7% of deposits ($29.6M) 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 10.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.69% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First State Bank Shannon-Polo lists 3 offices in 2 cities. Most locations:

  • Shannon, IL (2)
  • Polo, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank Shannon-Polo
Former names
First State Bank of Shannon
Type
State-chartered bank
FDIC certificate #
1781
RSSD ID
232847
Primary regulator
FDIC
Holding company
Shannon Bcorp Inc
Established
January 14, 1930
Headquarters
1 S Linn St, Shannon, IL 61078
Employees
41

Quick answers

First State Bank Shannon-Polo: common questions

Is First State Bank Shannon-Polo FDIC insured?

Yes. First State Bank Shannon-Polo is an FDIC-insured institution (FDIC certificate #1781). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank Shannon-Polo's TellerScore?

51 out of 100 (Below average), 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 Shannon-Polo ever failed?

There is no failure record for FDIC certificate #1781 in the FDIC failed bank list.

How many branches does First State Bank Shannon-Polo have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Shannon

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Exchange State BankBank Lanark, IL83 out of 100, Strong$112.7M11.5%0.05%vs
Blackhawk Area Credit UnionCredit union Savanna, IL79 out of 100, Strong$39.1M13.4%0.13%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs
Community BankBank Winslow, IL75 out of 100, Strong$310.8M16.0%1.50%vs
The State Bank of Pearl CityBank Pearl City, IL71 out of 100, Strong$73.4M11.3%0.69%vs