B
Illini State Bank
TonicaIL
Rating Date
March 2026
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 5.50
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 4.20
Stability Index 8.00
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 3.04%
5-Year Asset Growth 4.06%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.48%
Non-Performing Loans to Capital 9.56%
Non-Performing Loans to Loans 2.35%
Balance Sheet Illini State Bank
Tonica, IL
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Total Assets 172.37M
Total Deposits 123.46M
Capital and Reserves Illini State Bank
Tonica, IL
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Capital 23.80M
Leverage Ratio 13.72
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio --
Liquidity Illini State Bank
Tonica, IL
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Hot Money Ratio 23.14%
Liquidity Ratio 23.02%
Profitability Illini State Bank
Tonica, IL
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5-Year Return on Average Assets 1.20%
Net Income 1.76M
Net Interest Spread 2.63%
Operating Profit to Average Assets 1.04%
Overhead Efficiency Ratio 58.60%
Return on Assets 1.03%
Return on Equity 7.90%