TellerScore

Petefish, Skiles & Co. is a state-chartered bank headquartered in Virginia, Illinois, in business for about 156 years. At the end of Q2 2026 it reported $501.6M in total assets and $439.8M in deposits, with 6 offices.

Based on its Q2 2026 filing, Petefish, Skiles & Co. scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 113th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is capital cushion (41/100; 9.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.12%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 80.0% · 9.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.95%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202468
Q4 202472
Q1 202574
Q2 202575
Q3 202575
Q4 202572
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%7.26%9.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.14%
Q3 20249.38%
Q4 20249.28%
Q1 20259.40%
Q2 20259.33%
Q3 20259.52%
Q4 20258.90%
Q1 20268.89%
Q2 20269.12%
Noncurrent loans
0.08%0.32%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.55%
Q4 20240.53%
Q1 20250.41%
Q2 20250.24%
Q3 20250.21%
Q4 20250.18%
Q1 20260.08%
Q2 20260.14%
Return on assets
1.13%1.41%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.20%
Q3 20241.13%
Q4 20241.54%
Q1 20251.56%
Q2 20251.59%
Q3 20251.57%
Q4 20251.43%
Q1 20261.59%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$501.6M9.12%0.14%1.69%80.0%
Q1 202675$502.5M8.89%0.08%1.59%75.3%
Q4 202572$474.9M8.90%0.18%1.43%80.7%
Q3 202575$463.9M9.52%0.21%1.57%80.7%
Q2 202575$468.3M9.33%0.24%1.59%77.2%
Q1 202574$483.4M9.40%0.41%1.56%73.1%
Q4 202472$459.7M9.28%0.53%1.54%76.9%
Q3 202468$302.2M9.38%0.55%1.13%80.2%
Q2 202471$308.7M9.14%0.20%1.20%77.4%

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 ratio9.12%
14th
Total risk-based capital0.00%
24th
Problem loans0.14%
70th
Net charge-offs0.01%
46th
Return on assets1.69%
75th
Net interest margin4.36%
73rd
Efficiency ratio61.2%
53rd
Loans to deposits80.0%
49th
Uninsured deposits9.9%
94th
Loan-loss reserves0.95%
22nd
Texas ratio1.0%
70th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The FNB Community BankBank Vandalia, IL76 out of 100, Strong$498.9M12.6%0.78%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Casey State BankBank Casey, IL70 out of 100, Strong$496.7M11.0%1.02%vs
First State Bank and TrustBank Monticello, IL73 out of 100, Strong$509.6M9.2%0.44%vs
Solutions BankBank Forreston, IL67 out of 100, Moderate$491.6M8.8%0.49%vs
First Robinson Savings Bank, National AssociationBank Robinson, IL57 out of 100, Moderate$512.1M8.7%1.37%vs

Deposit insurance

Is my money safe at Petefish, Skiles & Co.?

Yes. Petefish, Skiles & Co. is an FDIC-insured institution (FDIC certificate #10829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.9% of deposits ($43.4M) 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 9.12%, 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%).

Check how much of your own balance is covered

6 locations

Branches

Petefish, Skiles & Co. lists 6 offices in 6 cities. Most locations:

  • Beardstown, IL (1)
  • Havana, IL (1)
  • Jacksonville, IL (1)
  • Petersburg, IL (1)
  • Virginia, IL (1)
  • Winchester, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Petefish, Skiles & Co. reported 538 home-loan applications under HMDA (LEI 549300032FNX4IOT2T93): 375 originated ($55,105,000 total), 82 denied, and 81 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.9%, 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
Petefish, Skiles & Co.
Type
State-chartered bank
FDIC certificate #
10829
RSSD ID
602543
Primary regulator
FDIC
Holding company
Petefish Skiles Bancshares Inc
Established
January 1, 1870
Headquarters
102 W Beardstown St, Virginia, IL 62691
Employees
86

Quick answers

Petefish, Skiles & Co.: common questions

Is Petefish, Skiles & Co. FDIC insured?

Yes. Petefish, Skiles & Co. is an FDIC-insured institution (FDIC certificate #10829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Petefish, Skiles & Co.'s TellerScore?

75 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 Petefish, Skiles & Co. ever failed?

There is no failure record for FDIC certificate #10829 in the FDIC failed bank list.

How many branches does Petefish, Skiles & Co. have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Rushville State BankBank Rushville, IL94 out of 100, Very strong$134.8M14.3%0.19%vs
Community Bank of EastonBank Easton, IL85 out of 100, Very strong$43.0M16.3%0.00%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Warren-Boynton State BankBank New Berlin, IL79 out of 100, Strong$234.5M12.1%0.41%vs
The First National Bank of ArenzvilleBank Arenzville, IL76 out of 100, Strong$158.7M8.8%0.05%vs