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First State Bank Shannon-Polo
Shannon, IL · FDIC Certificate #1781 · Chartered 01/1
Total assets
$190.46M
Total deposits
$167.07M
Total equity
$16.08M
Net loans
$107.92M
Branches (offices)
3
Net income (YTD)
$909.00K
Rank: #3,043 of 4,213 U.S. banks by assets · #205 of 322 in Illinois. Assets changed 1.1% and deposits -0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.94% |
| Return on equity | 11.36% |
| Net interest margin (YTD) | 3.11% |
| Equity to assets | 8.44% |
| Tier 1 leverage ratio | 10.31% |
| Uninsured deposits (share of deposits) | 17.7% |
| Noncurrent loans (share of loans) | 2.64% |
| Net charge-offs (share of loans) | 0.53% |
| Loans to deposits | 64.6% |
| Real estate loans (share of loans) | 74.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $80.61M | 74.7% | |
| Commercial & industrial | $15.74M | 14.6% | |
| Consumer / individual | $3.36M | 3.1% | |
| Construction & development | $2.57M | 2.4% | |
| Agricultural | $8.51M | 7.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $207.71M | $190.31M | $483.00K | $9.38M |
| Jun 2023 | $207.76M | $194.38M | $838.00K | $9.56M |
| Jun 2024 | $193.63M | $173.01M | $931.00K | $11.53M |
| Jun 2025 | $188.38M | $168.46M | $942.00K | $13.12M |
| Jun 2026 | $190.46M | $167.07M | $909.00K | $16.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $167.07M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $167.07M.
Similar-sized banks
Citizens State Bank ($190.62M) · Peoples State Bank Of Munising ($190.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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