Raritan State Bank (FDIC #10438): Bank Stress & Real-Estate Credit Exposure

Raritan State Bank (FDIC Cert #10438): bank stress 64/100, elevated, STABLE over 7 days; parent RARITAN STATE BCORP INC.

Raritan State Bank (#10438) lends in 3 counties across 1 state; Raritan State Bank (#10438) reaches 55 ZIP codes: Illinois 3 counties, 55 ZIPs.

Raritan State Bank (#10438) largest markets: Knox County, IL (23 branches, 23 ZIPs) (#10438), Henderson County, IL (17 branches, 17 ZIPs) (#10438), Mcdonough County, IL (17 branches, 17 ZIPs) (#10438).

Raritan State Bank (#10438) reports $253.9 million in total assets; Raritan State Bank (#10438) equity $28.8 million (11.3% of Raritan State Bank (#10438) assets); Raritan State Bank (#10438) domestic deposits $223.6 million; Raritan State Bank (#10438) net income $1.3 million; Raritan State Bank (#10438) return on assets 1.06%; Raritan State Bank (#10438) return on equity 9.52%; Raritan State Bank (#10438) net interest income $4.3 million; Raritan State Bank (#10438) call report June 30, 2026.

Raritan State Bank (#10438) noncurrent real-estate loans: none reported; Raritan State Bank (#10438) net charge-offs on real estate 2.10%.

Raritan State Bank (#10438) net interest margin 3.56% against an eight-quarter Raritan State Bank (#10438) average of 3.09% (Raritan State Bank (#10438) compression -0.47 points); Raritan State Bank (#10438) rate-exposure score 40/100, Raritan State Bank (#10438) fixed-rate trap 40/100; Raritan State Bank (#10438) risk type credit driven; Raritan State Bank (#10438) rate regime rates elevated, Raritan State Bank (#10438) snapshot October 19, 2026.

Raritan State Bank (#10438) stress score moved from 65.6 on June 22, 2026 to 64.5 on October 20, 2026; Raritan State Bank (#10438) ranged 64.5 to 65.6 over 117 snapshots.

Raritan State Bank (#10438) alerts: 3 counties; top Raritan State Bank (#10438) alert scores: Abingdon County, IL 23 (low); Bushnell County, IL 23 (low); Raritan County, IL 23 (low).