Villa Grove State Bank (FDIC certificate #9273) is based in Villa Grove, Illinois. Its Q2 2026 call report shows $85.9M in total assets and $74.7M in deposits and 2 offices.
Villa Grove State Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 29th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (72/100, 12.22%).
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 3 points (83 → 86), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 84 |
| Q4 2024 | 83 |
| Q1 2025 | 82 |
| Q2 2025 | 83 |
| Q3 2025 | 83 |
| Q4 2025 | 83 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.60% |
| Q3 2024 | 12.09% |
| Q4 2024 | 12.05% |
| Q1 2025 | 11.89% |
| Q2 2025 | 12.08% |
| Q3 2025 | 12.35% |
| Q4 2025 | 12.11% |
| Q1 2026 | 12.02% |
| Q2 2026 | 12.22% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.50% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.50% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.62% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $85.9M | 12.22% | 0.00% | 1.75% | 73.3% |
| Q1 2026 | 85 | $89.0M | 12.02% | 0.00% | 1.62% | 68.3% |
| Q4 2025 | 83 | $84.1M | 12.11% | 0.00% | 1.46% | 76.7% |
| Q3 2025 | 83 | $83.7M | 12.35% | 0.00% | 1.50% | 77.0% |
| Q2 2025 | 83 | $83.5M | 12.08% | 0.00% | 1.49% | 78.6% |
| Q1 2025 | 82 | $84.5M | 11.89% | 0.00% | 1.38% | 73.0% |
| Q4 2024 | 83 | $83.3M | 12.05% | 0.04% | 1.43% | 75.7% |
| Q3 2024 | 84 | $81.7M | 12.09% | 0.00% | 1.50% | 75.4% |
| Q2 2024 | 83 | $82.1M | 11.60% | 0.00% | 1.50% | 76.1% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Farmers and Merchants State Bank of BushnellBank Bushnell, IL | 83 out of 100, Strong | $86.5M | 10.5% | 0.00% | vs |
| Bank of StronghurstBank Stronghurst, IL | 70 out of 100, Strong | $87.6M | 14.2% | 1.69% | vs |
| The First Bank and Trust Company of MurphysboroBank Murphysboro, IL | 33 out of 100, Low | $83.1M | 9.3% | 3.39% | vs |
| Bank of Yates CityBank Yates City, IL | 42 out of 100, Below average | $89.1M | 9.7% | 4.27% | vs |
| The Bank of BourbonnaisBank Bourbonnais, IL | 77 out of 100, Strong | $81.6M | 11.9% | 0.00% | vs |
| The Atlanta National BankBank Atlanta, IL | 69 out of 100, Moderate | $81.3M | 11.6% | 1.00% | vs |
Deposit insurance
Is my money safe at Villa Grove State Bank?
Yes. Villa Grove State Bank is an FDIC-insured institution (FDIC certificate #9273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.3% of deposits ($20.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.22%, 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%).
2 locations
Branches
Villa Grove State Bank lists 1 office in 1 city. Most locations:
- Villa Grove, IL (1)
Identity & history
Profile
- Legal name
- Villa Grove State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9273
- RSSD ID
- 474245
- Primary regulator
- FDIC
- Holding company
- Villa Grove Bancshares Inc
- Established
- October 19, 1919
- Headquarters
- 10 N Main St, Villa Grove, IL 61956
- Website
- www.villagrovestatebank.com
- Employees
- 17
Quick answers
Villa Grove State Bank: common questions
Is Villa Grove State Bank FDIC insured?
Yes. Villa Grove State Bank is an FDIC-insured institution (FDIC certificate #9273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Villa Grove State Bank's TellerScore?
86 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 Villa Grove State Bank ever failed?
There is no failure record for FDIC certificate #9273 in the FDIC failed bank list.
How many branches does Villa Grove State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Villa Grove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings Bank of Champaign UrbanaBank Champaign, IL | 90 out of 100, Very strong | $192.5M | 12.7% | 0.09% | vs |
| Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL | 86 out of 100, Very strong | $1.2M | 55.5% | 0.16% | vs |
| BankChampaign, National AssociationBank Champaign, IL | 84 out of 100, Strong | $242.8M | 11.8% | 0.00% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Hickory Point Bank and TrustBank Decatur, IL | 77 out of 100, Strong | $717.5M | 11.0% | 0.18% | vs |