TellerScore

Flanagan State Bank is a state-chartered bank headquartered in Flanagan, Illinois, in business for about 113 years. At the end of Q2 2026 it reported $300.3M in total assets and $277.0M in deposits, with 15 offices across 2 states.

Based on its Q2 2026 filing, Flanagan State Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 204th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is earnings (34/100; 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.59%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 65.6% · 16.9% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.37%

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 9 points (58 → 67), mostly because the loan quality component improved by 20 points.

TellerScore
546167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202460
Q4 202462
Q1 202554
Q2 202558
Q3 202561
Q4 202567
Q1 202665
Q2 202667
Tier 1 leverage ratio
5.00%7.30%9.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.00%
Q3 20248.66%
Q4 20248.63%
Q1 20258.58%
Q2 20258.72%
Q3 20258.64%
Q4 20258.78%
Q1 20268.86%
Q2 20269.59%
Noncurrent loans
0.15%0.54%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.63%
Q3 20240.59%
Q4 20240.39%
Q1 20250.94%
Q2 20250.84%
Q3 20250.65%
Q4 20250.17%
Q1 20260.15%
Q2 20260.23%
Return on assets
0.02%0.33%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.31%
Q4 20240.32%
Q1 20250.02%
Q2 20250.49%
Q3 20250.51%
Q4 20250.63%
Q1 20260.22%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$300.3M9.59%0.23%0.35%65.6%
Q1 202665$313.4M8.86%0.15%0.22%62.6%
Q4 202567$312.5M8.78%0.17%0.63%69.7%
Q3 202561$310.1M8.64%0.65%0.51%68.2%
Q2 202558$307.6M8.72%0.84%0.49%68.3%
Q1 202554$303.0M8.58%0.94%0.02%62.0%
Q4 202462$294.7M8.63%0.39%0.32%66.0%
Q3 202460$297.4M8.66%0.59%0.31%67.4%
Q2 202463$293.4M9.00%0.63%0.51%64.1%

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 ratio9.59%
23rd
Total risk-based capital13.60%
60th
Problem loans0.23%
63rd
Net charge-offs0.10%
20th
Return on assets0.35%
8th
Net interest margin3.43%
24th
Efficiency ratio92.5%
4th
Loans to deposits65.6%
76th
Uninsured deposits16.9%
76th
Loan-loss reserves0.95%
21st
Texas ratio2.4%
54th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Tompkins State BankBank Avon, IL73 out of 100, Strong$303.5M9.8%0.20%vs
State BankBank Waterloo, IL52 out of 100, Below average$295.8M9.2%1.28%vs
Holcomb BankBank Rochelle, IL72 out of 100, Strong$304.8M8.8%0.03%vs
First Secure State BankBank Wonder Lake, IL68 out of 100, Moderate$305.6M13.0%1.31%vs
Hometown National BankBank La Salle, IL78 out of 100, Strong$307.2M11.3%0.17%vs
Community BankBank Winslow, IL75 out of 100, Strong$310.8M16.0%1.50%vs

Deposit insurance

Is my money safe at Flanagan State Bank?

Yes. Flanagan State Bank is an FDIC-insured institution (FDIC certificate #11734). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.9% of deposits ($46.9M) 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 9.59%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.60% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Flanagan State Bank lists 8 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Flanagan State Bank reported 1,648 home-loan applications under HMDA (LEI 2549008LUH7QKMXQ8N53): 1,140 originated ($246,630,000 total), 190 denied, and 309 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.2%, 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
Flanagan State Bank
Type
State-chartered bank
FDIC certificate #
11734
RSSD ID
979133
Primary regulator
FDIC
Holding company
Hometown Financial Group Inc
Established
January 1, 1913
Headquarters
301 W Falcon Hwy, Flanagan, IL 61740
Employees
132

Quick answers

Flanagan State Bank: common questions

Is Flanagan State Bank FDIC insured?

Yes. Flanagan State Bank is an FDIC-insured institution (FDIC certificate #11734). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Flanagan State Bank's TellerScore?

67 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 Flanagan State Bank ever failed?

There is no failure record for FDIC certificate #11734 in the FDIC failed bank list.

How many branches does Flanagan State Bank have?

15 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Flanagan

InstitutionScoreAssetsCapitalProblem loansCompare
Streator Onized Credit UnionCredit union Streator, IL84 out of 100, Strong$423.3M15.6%0.47%vs
Pontiac Dwight Prison Employs Credit UnionCredit union Pontiac, IL81 out of 100, Strong$8.3M10.8%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Streator Community Credit UnionCredit union Streator, IL80 out of 100, Strong$42.3M11.0%0.43%vs
Morton Community BankBank Morton, IL72 out of 100, Strong$5.3B10.6%0.81%vs
Bank of PontiacBank Pontiac, IL72 out of 100, Strong$1.2B10.4%0.27%vs