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Raritan State Bank
Raritan, IL · FDIC Certificate #10438 · Chartered 01/0
Total assets
$253.91M
Total deposits
$223.65M
Total equity
$28.81M
Net loans
$187.99M
Branches (offices)
3
Net income (YTD)
$1.35M
Rank: #2,692 of 4,213 U.S. banks by assets · #170 of 322 in Illinois. Assets changed 1.7% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 9.52% |
| Net interest margin (YTD) | 3.56% |
| Equity to assets | 11.35% |
| Tier 1 leverage ratio | 10.78% |
| Uninsured deposits (share of deposits) | 7.2% |
| Noncurrent loans (share of loans) | 1.67% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 55.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $103.66M | 55.1% | |
| Commercial & industrial | $31.47M | 16.7% | |
| Consumer / individual | $13.91M | 7.4% | |
| Construction & development | $528.00K | 0.3% | |
| Agricultural | $40.32M | 21.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $239.84M | $219.12M | $1.05M | $20.34M |
| Jun 2023 | $238.43M | $216.69M | $1.08M | $21.43M |
| Jun 2024 | $251.51M | $227.40M | $766.00K | $23.70M |
| Jun 2025 | $249.68M | $221.09M | $1.17M | $26.33M |
| Jun 2026 | $253.91M | $223.65M | $1.35M | $28.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $223.65M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $223.65M.
Similar-sized banks
Merchants Bank ($254.28M) · Visionbank ($253.88M)
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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