C
Flanagan State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Flanagan State Bank
Flanagan, IL
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Rating C
Asset Quality Index 6.40
Capitalization Index 6.60
Liquidity Index 2.90
Profitability Index 2.40
Stability Index 3.80
Company Info Flanagan State Bank
Flanagan, IL
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FDIC Number 11734
Phone Number (815) 796-2264
Website www.flanaganstatebank.com/
Asset Quality Flanagan State Bank
Flanagan, IL
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1-Year Asset Growth 4.30%
5-Year Asset Growth 10.86%
5-Year Charge-Offs to Average Loans -0.05%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.40%
Non-Performing Loans to Capital 3.89%
Non-Performing Loans to Loans 0.70%
Balance Sheet Flanagan State Bank
Flanagan, IL
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Total Assets 310.15M
Total Deposits 276.27M
Capital and Reserves Flanagan State Bank
Flanagan, IL
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Capital 19.03M
Leverage Ratio 8.64
Loan Loss Reserves to Loans 0.90%
Risk-Based Capital Ratio 12.82
Liquidity Flanagan State Bank
Flanagan, IL
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Hot Money Ratio 30.85%
Liquidity Ratio 24.78%
Profitability Flanagan State Bank
Flanagan, IL
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5-Year Return on Average Assets 1.29%
Net Income 1.17M
Net Interest Spread 3.19%
Operating Profit to Average Assets 0.50%
Overhead Efficiency Ratio 91.47%
Return on Assets 0.49%
Return on Equity 9.89%