TellerScore

Stillman BancCorp N.A. (FDIC certificate #9263) is based in Stillman Valley, Illinois. Its Q2 2026 call report shows $645.6M in total assets and $570.9M in deposits and 6 offices.

Based on its Q2 2026 filing, Stillman BancCorp N.A. scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 214th. Its strongest component is funding & liquidity (94/100; 53% loans-to-deposits, 20% uninsured), and its lowest is capital cushion (42/100; 9.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.20%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.65%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 52.6% · 20.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.77%

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 4 points (70 → 66), mostly because the loan quality component weakened by 22 points.

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202569
Q2 202570
Q3 202567
Q4 202566
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%7.44%9.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.89%
Q3 20249.81%
Q4 20249.79%
Q1 20259.37%
Q2 20259.39%
Q3 20259.49%
Q4 20259.48%
Q1 20269.27%
Q2 20269.20%
Noncurrent loans
0.00%0.33%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.52%
Q4 20250.60%
Q1 20260.61%
Q2 20260.65%
Return on assets
0.22%0.50%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.28%
Q4 20240.33%
Q1 20250.36%
Q2 20250.50%
Q3 20250.56%
Q4 20250.58%
Q1 20260.78%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$645.6M9.20%0.65%0.79%52.6%
Q1 202667$638.7M9.27%0.61%0.78%48.9%
Q4 202566$625.2M9.48%0.60%0.58%51.3%
Q3 202567$610.4M9.49%0.52%0.56%48.7%
Q2 202570$613.2M9.39%0.00%0.50%46.5%
Q1 202569$612.3M9.37%0.00%0.36%42.6%
Q4 202470$595.6M9.79%0.00%0.33%43.2%
Q3 202470$592.5M9.81%0.00%0.28%43.3%
Q2 202470$588.0M9.89%0.00%0.22%39.8%

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 ratio9.20%
15th
Total risk-based capital19.22%
84th
Problem loans0.65%
39th
Net charge-offs-0.02%
93rd
Return on assets0.79%
23rd
Net interest margin2.78%
6th
Efficiency ratio75.7%
19th
Loans to deposits52.6%
90th
Uninsured deposits20.3%
63rd
Loan-loss reserves0.95%
22nd
Texas ratio3.8%
42nd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Legence BankBank Eldorado, IL70 out of 100, Strong$642.9M9.5%1.17%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Bank & Trust CompanyBank Litchfield, IL75 out of 100, Strong$641.3M11.3%0.37%vs
TrustBankBank Olney, IL68 out of 100, Moderate$640.2M9.8%0.73%vs
Peoples Bank & TrustBank Pana, IL64 out of 100, Moderate$656.6M10.7%1.58%vs
The First National Bank of CarmiBank Carmi, IL75 out of 100, Strong$622.2M11.4%0.35%vs

Deposit insurance

Is my money safe at Stillman BancCorp N.A.?

Yes. Stillman BancCorp N.A. is an FDIC-insured institution (FDIC certificate #9263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.3% of deposits ($116.1M) 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 9.20%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.22% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Stillman BancCorp N.A. lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Stillman BancCorp N.A. reported 297 home-loan applications under HMDA (LEI 2549006L3U88MNTL7K26): 224 originated ($45,710,000 total), 31 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.1%, 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
Stillman BancCorp N.A.
Former names
The Stillman Valley National Bank
Type
National bank
FDIC certificate #
9263
RSSD ID
407645
Primary regulator
OCC
Holding company
Stillman Banccorp Inc
Established
June 9, 1882
Headquarters
101 E Main St, Stillman Valley, IL 61084
Employees
113

Quick answers

Stillman BancCorp N.A.: common questions

Is Stillman BancCorp N.A. FDIC insured?

Yes. Stillman BancCorp N.A. is an FDIC-insured institution (FDIC certificate #9263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Stillman BancCorp N.A.'s TellerScore?

66 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 Stillman BancCorp N.A. ever failed?

There is no failure record for FDIC certificate #9263 in the FDIC failed bank list.

How many branches does Stillman BancCorp N.A. have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Stillman Valley

InstitutionScoreAssetsCapitalProblem loansCompare
Ottawa Hiway Credit UnionCredit union Ottawa, IL100 out of 100, Very strong$16.3M16.7%0.00%vs
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
Linxus Credit UnionCredit union Machesney Park, IL91 out of 100, Very strong$17.5M16.2%0.02%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
Rockford Municipal Employees Credit UnionCredit union Rockford, IL76 out of 100, Strong$23.6M15.2%0.41%vs