State Bank of Whittington (FDIC certificate #19689) is based in Benton, Illinois. Its Q2 2026 call report shows $180.1M in total assets and $159.7M in deposits and 5 offices.
State Bank of Whittington has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 291st. Funding & liquidity contributes the most (85/100, 75% loans-to-deposits, 13% uninsured); loan quality contributes the least (0/100, 4.43%).
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 6 points (57 → 51), mostly because the problem-loan coverage component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 66 |
| Q2 2025 | 57 |
| Q3 2025 | 53 |
| Q4 2025 | 61 |
| Q1 2026 | 52 |
| Q2 2026 | 51 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.37% |
| Q3 2024 | 10.39% |
| Q4 2024 | 10.63% |
| Q1 2025 | 10.75% |
| Q2 2025 | 11.06% |
| Q3 2025 | 10.87% |
| Q4 2025 | 11.35% |
| Q1 2026 | 11.45% |
| Q2 2026 | 11.55% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.26% |
| Q1 2025 | 1.26% |
| Q2 2025 | 2.37% |
| Q3 2025 | 2.47% |
| Q4 2025 | 1.95% |
| Q1 2026 | 3.01% |
| Q2 2026 | 4.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.14% |
| Q3 2025 | 0.81% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $180.1M | 11.55% | 4.43% | 1.22% | 75.3% |
| Q1 2026 | 52 | $178.9M | 11.45% | 3.01% | 1.20% | 74.3% |
| Q4 2025 | 61 | $177.4M | 11.35% | 1.95% | 1.14% | 74.9% |
| Q3 2025 | 53 | $176.4M | 10.87% | 2.47% | 0.81% | 71.4% |
| Q2 2025 | 57 | $173.9M | 11.06% | 2.37% | 1.14% | 71.4% |
| Q1 2025 | 66 | $175.2M | 10.75% | 1.26% | 1.13% | 73.4% |
| Q4 2024 | 75 | $176.0M | 10.63% | 0.26% | 1.16% | 71.3% |
| Q3 2024 | 75 | $176.3M | 10.39% | 0.21% | 1.13% | 71.0% |
| Q2 2024 | 75 | $175.4M | 10.37% | 0.30% | 1.13% | 68.6% |
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 |
|---|---|---|---|---|---|
| Town Center BankBank Frankfort, IL | 65 out of 100, Moderate | $180.6M | 11.4% | 0.00% | vs |
| First National Bank of NokomisBank Nokomis, IL | 73 out of 100, Strong | $181.9M | 10.9% | 0.96% | vs |
| Union Savings BankBank Freeport, IL | 66 out of 100, Moderate | $182.0M | 9.5% | 0.27% | vs |
| United Trust BankBank Palos Heights, IL | 65 out of 100, Moderate | $178.2M | 10.0% | 0.43% | vs |
| La Salle State BankBank La Salle, IL | 68 out of 100, Moderate | $183.2M | 8.9% | 0.16% | vs |
| Central State BankBank Clayton, IL | 70 out of 100, Strong | $175.1M | 17.9% | 3.07% | vs |
Deposit insurance
Is my money safe at State Bank of Whittington?
Yes. State Bank of Whittington is an FDIC-insured institution (FDIC certificate #19689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.5% of deposits ($21.5M) 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 11.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.08% (benchmark: 10%).
5 locations
Branches
State Bank of Whittington lists 5 offices in 4 cities. Most locations:
- Benton, IL (2)
- Christopher, IL (1)
- Sesser, IL (1)
- Whittington, IL (1)
Identity & history
Profile
- Legal name
- State Bank of Whittington
- Type
- State-chartered bank
- FDIC certificate #
- 19689
- RSSD ID
- 270148
- Primary regulator
- FDIC
- Holding company
- Whittington Bcorp Inc
- Established
- August 5, 1919
- Headquarters
- 200 N Main St, Benton, IL 62812
- Employees
- 46
Quick answers
State Bank of Whittington: common questions
Is State Bank of Whittington FDIC insured?
Yes. State Bank of Whittington is an FDIC-insured institution (FDIC certificate #19689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Whittington's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has State Bank of Whittington ever failed?
There is no failure record for FDIC certificate #19689 in the FDIC failed bank list.
How many branches does State Bank of Whittington have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Benton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carbondale Highway Credit UnionCredit union Carbondale, IL | 90 out of 100, Very strong | $5.6M | 15.6% | 0.00% | vs |
| Du Quoin State BankBank Du Quoin, IL | 78 out of 100, Strong | $148.2M | 10.8% | 0.00% | vs |
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| Siu Credit UnionCredit union Carbondale, IL | 72 out of 100, Strong | $591.3M | 11.6% | 0.90% | vs |
| Legence BankBank Eldorado, IL | 70 out of 100, Strong | $642.9M | 9.5% | 1.17% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |