Raritan State Bank is a state-chartered bank headquartered in Raritan, Illinois, in business for about 106 years. At the end of Q2 2026 it reported $253.9M in total assets and $223.6M in deposits, with 3 offices.
Based on its Q2 2026 filing, Raritan State Bank scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 251st. Its strongest component is problem-loan coverage (77/100; 11.3%), and its lowest is loan quality (44/100; 1.67%).
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 fell 2 points (62 → 60), mostly because the funding & liquidity component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 55 |
| Q4 2024 | 63 |
| Q1 2025 | 64 |
| Q2 2025 | 62 |
| Q3 2025 | 60 |
| Q4 2025 | 67 |
| Q1 2026 | 59 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.51% |
| Q3 2024 | 10.54% |
| Q4 2024 | 10.59% |
| Q1 2025 | 10.94% |
| Q2 2025 | 11.15% |
| Q3 2025 | 11.50% |
| Q4 2025 | 11.46% |
| Q1 2026 | 11.44% |
| Q2 2026 | 10.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.60% |
| Q3 2025 | 1.87% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.95% |
| Q2 2026 | 1.67% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.64% |
| Q1 2025 | 1.04% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.96% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $253.9M | 10.78% | 1.67% | 1.06% | 84.1% |
| Q1 2026 | 59 | $255.4M | 11.44% | 1.95% | 0.98% | 82.3% |
| Q4 2025 | 67 | $249.4M | 11.46% | 1.17% | 0.97% | 81.9% |
| Q3 2025 | 60 | $247.3M | 11.50% | 1.87% | 0.96% | 80.6% |
| Q2 2025 | 62 | $249.7M | 11.15% | 1.60% | 0.94% | 77.6% |
| Q1 2025 | 64 | $249.3M | 10.94% | 1.47% | 1.04% | 75.2% |
| Q4 2024 | 63 | $246.9M | 10.59% | 1.07% | 0.64% | 75.4% |
| Q3 2024 | 55 | $251.9M | 10.54% | 1.86% | 0.60% | 75.2% |
| Q2 2024 | 60 | $251.5M | 10.51% | 1.39% | 0.60% | 71.4% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Clay City Banking Co.Bank Clay City, IL | 68 out of 100, Moderate | $253.3M | 10.2% | 1.09% | vs |
| Security Bank, s.b.Bank Springfield, IL | 70 out of 100, Strong | $244.5M | 10.1% | 0.16% | vs |
| BankChampaign, National AssociationBank Champaign, IL | 84 out of 100, Strong | $242.8M | 11.8% | 0.00% | vs |
| PeopleFirst BankBank Joliet, IL | 78 out of 100, Strong | $265.6M | 12.3% | 0.13% | vs |
| First Bank of ManhattanBank Manhattan, IL | 79 out of 100, Strong | $265.9M | 10.2% | 0.00% | vs |
| Security Savings BankBank Monmouth, IL | 80 out of 100, Strong | $241.4M | 13.0% | 0.30% | vs |
Deposit insurance
Is my money safe at Raritan State Bank?
Yes. Raritan State Bank is an FDIC-insured institution (FDIC certificate #10438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.2% of deposits ($16.2M) 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 10.78%, 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
Raritan State Bank lists 3 offices in 3 cities. Most locations:
- Abingdon, IL (1)
- Bushnell, IL (1)
- Raritan, IL (1)
Identity & history
Profile
- Legal name
- Raritan State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10438
- RSSD ID
- 749943
- Primary regulator
- FDIC
- Holding company
- Raritan State Bcorp Inc
- Established
- January 1, 1920
- Headquarters
- 106 E Main St, Raritan, IL 61471
- Website
- www.raritanstatebank.com
- Employees
- 40
Quick answers
Raritan State Bank: common questions
Is Raritan State Bank FDIC insured?
Yes. Raritan State Bank is an FDIC-insured institution (FDIC certificate #10438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Raritan State Bank's TellerScore?
60 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 Raritan State Bank ever failed?
There is no failure record for FDIC certificate #10438 in the FDIC failed bank list.
How many branches does Raritan State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Raritan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Casebine Community Credit UnionCredit union Burlington, IA | 95 out of 100, Very strong | $29.1M | 22.5% | 0.08% | vs |
| Farmers and Merchants State Bank of BushnellBank Bushnell, IL | 83 out of 100, Strong | $86.5M | 10.5% | 0.00% | vs |
| Security Savings BankBank Monmouth, IL | 80 out of 100, Strong | $241.4M | 13.0% | 0.30% | vs |
| Farmers Savings BankBank Wever, IA | 80 out of 100, Strong | $130.5M | 13.7% | 0.27% | vs |
| Burlington Municipal Employees Credit UnionCredit union Burlington, IA | 80 out of 100, Strong | $4.7M | 15.6% | 0.87% | vs |
| Aim Credit UnionCredit union Dubuque, IA | 79 out of 100, Strong | $201.2M | 13.1% | 0.60% | vs |