Hartsburg State Bank is a state-chartered bank (fed member) headquartered in Hartsburg, Illinois, in business for about 125 years. At the end of Q2 2026 it reported $18.1M in total assets and $16.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Hartsburg State Bank scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 139th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is earnings (29/100; 0.22%).
TellerScore · Q2 2026
Scorecard
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 14 points (59 → 73), mostly because the loan quality component improved by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 62 |
| Q4 2024 | 67 |
| Q1 2025 | 66 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 68 |
| Q1 2026 | 74 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.60% |
| Q3 2024 | 11.56% |
| Q4 2024 | 12.92% |
| Q1 2025 | 11.77% |
| Q2 2025 | 12.56% |
| Q3 2025 | 12.06% |
| Q4 2025 | 12.80% |
| Q1 2026 | 11.35% |
| Q2 2026 | 11.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.64% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.65% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.62% |
| Q3 2024 | -0.35% |
| Q4 2024 | -0.38% |
| Q1 2025 | 0.05% |
| Q2 2025 | -0.15% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $18.1M | 11.51% | 0.20% | 0.22% | 32.8% |
| Q1 2026 | 74 | $17.2M | 11.35% | 0.22% | 0.36% | 36.5% |
| Q4 2025 | 68 | $20.3M | 12.80% | 0.80% | 0.07% | 34.9% |
| Q3 2025 | 60 | $16.5M | 12.06% | 1.65% | 0.02% | 40.5% |
| Q2 2025 | 59 | $16.4M | 12.56% | 1.74% | -0.15% | 39.9% |
| Q1 2025 | 66 | $15.9M | 11.77% | 0.97% | 0.05% | 45.9% |
| Q4 2024 | 67 | $18.4M | 12.92% | 0.88% | -0.38% | 37.6% |
| Q3 2024 | 62 | $18.1M | 11.56% | 0.92% | -0.35% | 37.4% |
| Q2 2024 | 57 | $16.5M | 12.60% | 1.64% | -0.62% | 40.8% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State Bank of MedoraBank Medora, IL | 69 out of 100, Moderate | $20.4M | 15.5% | 1.70% | vs |
| Grand Rivers Community BankBank Grand Chain, IL | 21 out of 100, Low | $15.1M | 8.4% | 19.04% | vs |
| Chesterfield State BankBank Chesterfield, IL | 43 out of 100, Below average | $21.7M | 8.2% | 11.20% | vs |
| Peoples Bank of MaconBank Macon, IL | 82 out of 100, Strong | $22.7M | 13.6% | 0.00% | vs |
| Sainte Marie State BankBank Sainte Marie, IL | 76 out of 100, Strong | $23.0M | 15.8% | 0.31% | vs |
| The First National Bank of AssumptionBank Assumption, IL | 70 out of 100, Strong | $25.2M | 11.1% | 1.24% | vs |
Deposit insurance
Is my money safe at Hartsburg State Bank?
Yes. Hartsburg State Bank is an FDIC-insured institution (FDIC certificate #11716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($2.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Hartsburg State Bank lists 1 office in 1 city. Most locations:
- Hartsburg, IL (1)
Identity & history
Profile
- Legal name
- Hartsburg State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11716
- RSSD ID
- 799939
- Primary regulator
- FED
- Established
- March 13, 1901
- Headquarters
- 101 N 2nd St, Hartsburg, IL 62643
- Employees
- 3
Quick answers
Hartsburg State Bank: common questions
Is Hartsburg State Bank FDIC insured?
Yes. Hartsburg State Bank is an FDIC-insured institution (FDIC certificate #11716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hartsburg State Bank's TellerScore?
73 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 Hartsburg State Bank ever failed?
There is no failure record for FDIC certificate #11716 in the FDIC failed bank list.
How many branches does Hartsburg State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hartsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mason City National BankBank Mason City, IL | 96 out of 100, Very strong | $91.4M | 15.3% | 0.04% | vs |
| Farmers State Bank of EmdenBank Emden, IL | 91 out of 100, Very strong | $37.8M | 29.6% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Busey BankBank Champaign, IL | 74 out of 100, Strong | $18.1B | 12.4% | 0.51% | vs |
| Williamsville State Bank & TrustBank Williamsville, IL | 73 out of 100, Strong | $93.8M | 14.5% | 1.04% | vs |
| Gale Credit UnionCredit union Galesburg, IL | 73 out of 100, Strong | $73.7M | 10.6% | 0.33% | vs |