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Flanagan State Bank
Flanagan, IL · FDIC Certificate #11734 · Chartered 01/0
Total assets
$300.27M
Total deposits
$277.00M
Total equity
$20.07M
Net loans
$181.85M
Branches (offices)
8
Net income (YTD)
$534.00K
Rank: #2,467 of 4,213 U.S. banks by assets · #157 of 322 in Illinois. Assets changed -2.4% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.35% |
| Return on equity | 5.31% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 6.68% |
| Tier 1 leverage ratio | 9.59% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 65.6% |
| Real estate loans (share of loans) | 71.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $129.90M | 71.4% | |
| Commercial & industrial | $15.56M | 8.6% | |
| Consumer / individual | $2.68M | 1.5% | |
| Construction & development | $7.00M | 3.8% | |
| Agricultural | $35.37M | 19.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $260.73M | $245.61M | -$85.00K | $10.62M |
| Jun 2023 | $267.01M | $240.62M | $258.00K | $11.56M |
| Jun 2024 | $293.42M | $256.36M | $731.00K | $13.09M |
| Jun 2025 | $307.57M | $273.82M | $733.00K | $15.95M |
| Jun 2026 | $300.27M | $277.00M | $534.00K | $20.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $271.60M | 7 |
| Montana | $5.39M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $277.00M.
Similar-sized banks
West Union Bank ($300.34M) · The Peshtigo National Bank ($299.97M)
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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