First State Bank Shannon-Polo
Shannon, IL
IDRSSD: 232847
Total Assets
$190.76M
Latest filing
Total Deposits
$169.29M
Latest filing
Net Interest Margin
3.03%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank Shannon-Polo
1 S Linn St
Shannon, IL 61078
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/14/1930FDIC Certificate 1179
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank Shannon-Polo (Main) | 1 S Linn St | Shannon, IL |
| POLO BRANCH | 211 S Division Ave | Polo, IL |
| LAKE CARROLL BRANCH | 24494 Payne Rd | Shannon, IL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/14/1930 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61078 |
| State and County Number | 17015 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fsbshannon-polo.com |
| Data Updated | 11/14/2025 |
| CERT | 1781 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $190.76M |
| Total Deposits | $169.29M |
| Total Liabilities | $175.56M |
| Total Equity Capital | $15.21M |
| Net Income | $539.00k |
| Net Loans and Leases | $103.69M |
| Assets Per Employee ($Millions) | $4.89M |
| Bank Premises and Fixed Assets | $779.00k |
| Cash and Balances due from Depository Institutions | $18.82M |
| Deposits Held in Domestic Offices | $169.29M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 15.22% |
| Net Interest Margin | 3.03% |
| Efficiency Ratio | 70.02% |
| Tier 1 Risk-Based Capital Ratio | 13.823% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.971% |
| Earning Assets to total Assets | 95.18% |
Income and Expense
| Total Interest Income | $2.03M |
| Total Noninterest Income | $507.00k |
| Total Interest Expense | $668.00k |
| Total Noninterest Expense | $1.31M |
| Net Interest Income | $1.36M |
| Pre-tax Net Operating Income | $560.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $300.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.85M |
| All Other Liabilities | $2.11M |
| Total Liabilities and Capital | $190.76M |
Securities
| Securities | $61.17M |
| Available-for-sale debt securities | $61.17M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank Shannon-Polo?
$190.76M as of the latest filing.
How much are First State Bank Shannon-Polo's total deposits?
$169.29M in total deposits.
Where is First State Bank Shannon-Polo located?
Shannon, IL.
What is the Net Interest Margin?
3.03%.
How many domestic offices does it operate?
3.
When was it established?
01/14/1930.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$103.69M (latest filing).
What is the total interest income (latest filing)?
$2.03M.