Bank · FDIC insured
Illini State Bank
A $171.9M bank headquartered in Oglesby, IL, with 3 branches in Illinois.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—0.50%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Illini State Bank
Originally founded as Tonica State Bank in 1914, the institution unified its brand under the name Illini State Bank in 1988.
After acquiring The Farmers State Bank of Lostant in 1983, the community bank operates locations in Oglesby, Tonica, Lostant, and Yorkville.
- Headquarters
- 301 S Columbia Ave, Oglesby, IL 61348
- FDIC certificate
- 10788 ↗
Branches
3 branches in Illinois
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Illinois
3 branches
- Illini State BankMain office301 S Columbia Ave, Oglesby, IL 61348Directions
- Lostant Branch206 S Main St, Lostant, IL 61334Directions
- Oglesby Branch301 S Columbia Ave, Oglesby, IL 61348Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.42% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.86% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.26% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio14.42%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.86%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.26%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Illini State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.