La Salle State Bank is a state-chartered bank headquartered in La Salle, Illinois, in business for about 132 years. At the end of Q2 2026 it reported $183.2M in total assets and $155.9M in deposits, with 3 offices.
Based on its Q2 2026 filing, La Salle State Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 193rd. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is capital cushion (39/100; 8.91%).
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 6 points (62 → 68), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 57 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 62 |
| Q3 2025 | 62 |
| Q4 2025 | 68 |
| Q1 2026 | 48 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.81% |
| Q3 2024 | 8.92% |
| Q4 2024 | 8.61% |
| Q1 2025 | 8.58% |
| Q2 2025 | 8.77% |
| Q3 2025 | 8.69% |
| Q4 2025 | 8.83% |
| Q1 2026 | 9.00% |
| Q2 2026 | 8.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.08% |
| Q1 2026 | 2.18% |
| Q2 2026 | 0.16% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $183.2M | 8.91% | 0.16% | 0.56% | 54.3% |
| Q1 2026 | 48 | $184.6M | 9.00% | 2.18% | 0.51% | 54.7% |
| Q4 2025 | 68 | $182.6M | 8.83% | 0.08% | 0.50% | 57.5% |
| Q3 2025 | 62 | $186.6M | 8.69% | 0.55% | 0.42% | 55.3% |
| Q2 2025 | 62 | $180.2M | 8.77% | 0.56% | 0.43% | 55.7% |
| Q1 2025 | 60 | $182.2M | 8.58% | 0.63% | 0.27% | 55.9% |
| Q4 2024 | 60 | $179.3M | 8.61% | 0.41% | 0.00% | 55.0% |
| Q3 2024 | 57 | $180.5M | 8.92% | 0.90% | 0.17% | 53.1% |
| Q2 2024 | 60 | $167.2M | 9.81% | 0.90% | 0.19% | 50.7% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union Savings BankBank Freeport, IL | 66 out of 100, Moderate | $182.0M | 9.5% | 0.27% | vs |
| First National Bank of NokomisBank Nokomis, IL | 73 out of 100, Strong | $181.9M | 10.9% | 0.96% | vs |
| State Bank of BementBank Bement, IL | 67 out of 100, Moderate | $185.6M | 10.2% | 0.54% | vs |
| Town Center BankBank Frankfort, IL | 65 out of 100, Moderate | $180.6M | 11.4% | 0.00% | vs |
| State Bank of WhittingtonBank Benton, IL | 51 out of 100, Below average | $180.1M | 11.5% | 4.43% | vs |
| The First National Bank of RaymondBank Raymond, IL | 78 out of 100, Strong | $187.1M | 10.9% | 0.42% | vs |
Deposit insurance
Is my money safe at La Salle State Bank?
Yes. La Salle State Bank is an FDIC-insured institution (FDIC certificate #12410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.4% of deposits ($30.3M) 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 8.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.76% (benchmark: 10%).
3 locations
Branches
La Salle State Bank lists 3 offices in 3 cities. Most locations:
- La Salle, IL (1)
- Peru, IL (1)
- Utica, IL (1)
Identity & history
Profile
- Legal name
- La Salle State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12410
- RSSD ID
- 956134
- Primary regulator
- FDIC
- Holding company
- Lsbancorp Inc
- Established
- August 21, 1894
- Headquarters
- 654 1st St, La Salle, IL 61301
- Website
- www.elsb.com
- Employees
- 27
Quick answers
La Salle State Bank: common questions
Is La Salle State Bank FDIC insured?
Yes. La Salle State Bank is an FDIC-insured institution (FDIC certificate #12410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is La Salle State Bank's TellerScore?
68 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 La Salle State Bank ever failed?
There is no failure record for FDIC certificate #12410 in the FDIC failed bank list.
How many branches does La Salle State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near La Salle
| 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 |