B
Illini State Bank
TonicaIL
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Illini State Bank
Tonica, IL
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Rating B
Asset Quality Index 5.60
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 4.20
Stability Index 8.10
Company Info Illini State Bank
Tonica, IL
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FDIC Number 10788
Phone Number (815) 442-8211
Website www.illinistatebank.com
Asset Quality Illini State Bank
Tonica, IL
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1-Year Asset Growth 0.35%
5-Year Asset Growth 6.89%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.54%
Non-Performing Loans to Capital 8.62%
Non-Performing Loans to Loans 2.42%
Balance Sheet Illini State Bank
Tonica, IL
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Total Assets 169.82M
Total Deposits 125.69M
Capital and Reserves Illini State Bank
Tonica, IL
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Capital 23.79M
Leverage Ratio 14.26
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio --
Liquidity Illini State Bank
Tonica, IL
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Hot Money Ratio 22.08%
Liquidity Ratio 21.57%
Profitability Illini State Bank
Tonica, IL
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5-Year Return on Average Assets 1.20%
Net Income 1.31M
Net Interest Spread 2.58%
Operating Profit to Average Assets 1.05%
Overhead Efficiency Ratio 57.70%
Return on Assets 1.04%
Return on Equity 8.06%