C
Flanagan State Bank
Rating Date
March 2026
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 6.90
Capitalization Index 6.80
Liquidity Index 2.90
Profitability Index 2.80
Stability Index 3.50
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 6.01%
5-Year Asset Growth 7.25%
5-Year Charge-Offs to Average Loans -0.05%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.37%
Non-Performing Loans to Capital 2.48%
Non-Performing Loans to Loans 0.59%
Balance Sheet Flanagan State Bank
Flanagan, IL
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Total Assets 312.45M
Total Deposits 276.56M
Capital and Reserves Flanagan State Bank
Flanagan, IL
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Capital 19.94M
Leverage Ratio 8.78
Loan Loss Reserves to Loans 0.91%
Risk-Based Capital Ratio 12.66
Liquidity Flanagan State Bank
Flanagan, IL
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Hot Money Ratio 31.22%
Liquidity Ratio 23.33%
Profitability Flanagan State Bank
Flanagan, IL
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5-Year Return on Average Assets 1.29%
Net Income 1.92M
Net Interest Spread 3.24%
Operating Profit to Average Assets 0.61%
Overhead Efficiency Ratio 90.09%
Return on Assets 0.60%
Return on Equity 11.47%