Headquartered in Teutopolis, Illinois, Teutopolis State Bank is a state-chartered bank (fed member) with $358.5M in total assets and $309.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1905.
Teutopolis State Bank has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 1st. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (91/100, 1.77%).
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 (91 → 97), mostly because the capital cushion component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 89 |
| Q4 2024 | 87 |
| Q1 2025 | 91 |
| Q2 2025 | 91 |
| Q3 2025 | 90 |
| Q4 2025 | 92 |
| Q1 2026 | 94 |
| Q2 2026 | 97 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.31% |
| Q3 2024 | 13.77% |
| Q4 2024 | 12.87% |
| Q1 2025 | 13.25% |
| Q2 2025 | 13.36% |
| Q3 2025 | 13.92% |
| Q4 2025 | 13.65% |
| Q1 2026 | 14.29% |
| Q2 2026 | 14.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $358.5M | 14.72% | 0.00% | 1.77% | 58.4% |
| Q1 2026 | 94 | $357.1M | 14.29% | 0.00% | 1.63% | 58.5% |
| Q4 2025 | 92 | $355.0M | 13.65% | 0.03% | 1.57% | 57.6% |
| Q3 2025 | 90 | $348.1M | 13.92% | 0.43% | 1.63% | 58.7% |
| Q2 2025 | 91 | $370.6M | 13.36% | 0.00% | 1.61% | 54.7% |
| Q1 2025 | 91 | $352.4M | 13.25% | 0.00% | 1.52% | 56.9% |
| Q4 2024 | 87 | $347.7M | 12.87% | 0.00% | 1.26% | 57.8% |
| Q3 2024 | 89 | $340.8M | 13.77% | 0.14% | 1.28% | 59.3% |
| Q2 2024 | 87 | $332.6M | 13.31% | 0.17% | 1.26% | 58.5% |
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 |
|---|---|---|---|---|---|
| State Street Bank and Trust CompanyBank Quincy, IL | 77 out of 100, Strong | $357.1M | 10.0% | 0.39% | vs |
| OSB Community BankBank Ottawa, IL | 69 out of 100, Moderate | $355.6M | 11.6% | 0.36% | vs |
| Shelby County State BankBank Shelbyville, IL | 76 out of 100, Strong | $363.2M | 10.4% | 0.31% | vs |
| The Bank of HerrinBank Herrin, IL | 65 out of 100, Moderate | $349.2M | 8.8% | 0.83% | vs |
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
Deposit insurance
Is my money safe at Teutopolis State Bank?
Yes. Teutopolis State Bank is an FDIC-insured institution (FDIC certificate #11708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.7% of deposits ($51.7M) 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 14.72%, 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
Teutopolis State Bank lists 3 offices in 3 cities. Most locations:
- Effingham, IL (1)
- Sigel, IL (1)
- Teutopolis, IL (1)
Identity & history
Profile
- Legal name
- Teutopolis State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11708
- RSSD ID
- 134848
- Primary regulator
- FED
- Holding company
- Teutopolis Holding Co
- Established
- January 1, 1905
- Headquarters
- 106 E Main St, Teutopolis, IL 62467
- Website
- www.teutopolisstatebank.com
- Employees
- 41
Quick answers
Teutopolis State Bank: common questions
Is Teutopolis State Bank FDIC insured?
Yes. Teutopolis State Bank is an FDIC-insured institution (FDIC certificate #11708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Teutopolis State Bank's TellerScore?
97 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Teutopolis State Bank ever failed?
There is no failure record for FDIC certificate #11708 in the FDIC failed bank list.
How many branches does Teutopolis State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Teutopolis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Effingham Highway Credit UnionCredit union Effingham, IL | 94 out of 100, Very strong | $5.9M | 19.8% | 0.00% | vs |
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
| First State Bank of Beecher CityBank Beecher City, IL | 88 out of 100, Very strong | $112.2M | 16.0% | 0.81% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Washington Savings BankBank Effingham, IL | 77 out of 100, Strong | $585.3M | 12.1% | 0.29% | vs |