Illini State Bank (FDIC certificate #10788) is based in Oglesby, Illinois. Its Q2 2026 call report shows $171.9M in total assets and $124.5M in deposits and 3 offices.
Based on its Q2 2026 filing, Illini State Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 171st. Its strongest component is capital cushion (94/100; 14.42%), and its lowest is loan quality (38/100; 1.86%).
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 8 points (62 → 70), mostly because the loan quality component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 80 |
| Q1 2025 | 60 |
| Q2 2025 | 62 |
| Q3 2025 | 67 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.32% |
| Q3 2024 | 13.39% |
| Q4 2024 | 13.32% |
| Q1 2025 | 13.34% |
| Q2 2025 | 14.05% |
| Q3 2025 | 14.26% |
| Q4 2025 | 13.72% |
| Q1 2026 | 14.02% |
| Q2 2026 | 14.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.09% |
| Q1 2025 | 2.13% |
| Q2 2025 | 2.36% |
| Q3 2025 | 1.95% |
| Q4 2025 | 1.94% |
| Q1 2026 | 1.92% |
| Q2 2026 | 1.86% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.95% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.11% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $171.9M | 14.42% | 1.86% | 1.26% | 85.5% |
| Q1 2026 | 67 | $171.4M | 14.02% | 1.92% | 1.11% | 85.3% |
| Q4 2025 | 65 | $172.4M | 13.72% | 1.94% | 1.04% | 86.9% |
| Q3 2025 | 67 | $169.8M | 14.26% | 1.95% | 1.04% | 84.9% |
| Q2 2025 | 62 | $169.6M | 14.05% | 2.36% | 0.99% | 82.7% |
| Q1 2025 | 60 | $167.2M | 13.34% | 2.13% | 0.76% | 85.0% |
| Q4 2024 | 80 | $167.3M | 13.32% | 0.09% | 0.95% | 86.1% |
| Q3 2024 | 79 | $169.2M | 13.39% | 0.18% | 0.90% | 89.3% |
| Q2 2024 | 79 | $166.3M | 13.32% | 0.18% | 0.96% | 88.6% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| DeWitt Savings BankBank Clinton, IL | 64 out of 100, Moderate | $173.2M | 10.5% | 1.21% | vs |
| Waterman BankBank Waterman, IL | 60 out of 100, Moderate | $173.6M | 13.2% | 1.78% | vs |
| Iroquois Farmers State BankBank Iroquois, IL | 57 out of 100, Moderate | $174.5M | 9.1% | 1.96% | vs |
| Central State BankBank Clayton, IL | 70 out of 100, Strong | $175.1M | 17.9% | 3.07% | vs |
| Farmers State Bank of Western IllinoisBank Alpha, IL | 74 out of 100, Strong | $167.3M | 14.1% | 1.74% | vs |
| North Central BankBank Hennepin, IL | 82 out of 100, Strong | $165.9M | 12.3% | 0.26% | vs |
Deposit insurance
Is my money safe at Illini State Bank?
Yes. Illini State Bank is an FDIC-insured institution (FDIC certificate #10788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.4% of deposits ($27.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.42%, 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%).
3 locations
Branches
Illini State Bank lists 3 offices in 2 cities. Most locations:
- Oglesby, IL (2)
- Lostant, IL (1)
Identity & history
Profile
- Legal name
- Illini State Bank
- Former names
- Tonica State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 10788
- RSSD ID
- 180845
- Primary regulator
- FED
- Holding company
- Isb Bcorp Inc
- Established
- February 14, 1914
- Headquarters
- 301 S Columbia Ave, Oglesby, IL 61348
- Website
- www.illinistatebank.com
- Employees
- 19
Quick answers
Illini State Bank: common questions
Is Illini State Bank FDIC insured?
Yes. Illini State Bank is an FDIC-insured institution (FDIC certificate #10788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Illini State Bank's TellerScore?
70 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 Illini State Bank ever failed?
There is no failure record for FDIC certificate #10788 in the FDIC failed bank list.
How many branches does Illini State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oglesby
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| Spring Valley City BankBank Spring Valley, IL | 84 out of 100, Strong | $207.0M | 13.9% | 0.18% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Streator Onized Credit UnionCredit union Streator, IL | 84 out of 100, Strong | $423.3M | 15.6% | 0.47% | vs |
| North Central BankBank Hennepin, IL | 82 out of 100, Strong | $165.9M | 12.3% | 0.26% | vs |