Camp Grove State Bank
Camp Grove, Illinois · FDIC Cert #10471
Camp Grove State Bank is an FDIC-insured bank (Certificate #10471) with $63M in total assets and $50M in total deposits as of the Q2 2024 Call Report. Headquartered in Camp Grove, Illinois, the bank maintains a Tier 1 capital ratio of 18.10% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (92/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Camp Grove State Bank (FDIC cert 10471) is a community bank — $63M in total assets, $50M in deposits, serving the Camp Grove, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.10% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 75.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -0.05% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Camp Grove State Bank carries a composite BankHealth grade of A (92/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Camp Grove State Bank
- Total Assets
- $63M
- Total Deposits
- $50M
- Tier 1 Capital Ratio
- 18.10%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 75.38%
- Return on Assets
- -0.05%
- Headquarters
- Camp Grove, Illinois
- FDIC Certificate
- #10471
- Health Grade
- A (92/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Camp Grove State Bank holds a Tier 1 capital ratio of 18.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Camp Grove State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Camp Grove State Bank shows strong financial health indicators. With $63M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Camp Grove State Bank Compares
Camp Grove State Bank’s Health Score of 92 is 20 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 18.10% Tier 1 capital ratio is 4.1 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.05% is below the national ROA benchmark of ~1.1%. Among 696 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Camp Grove State Bank is 22 points above the portfolio average of 70.
Frequently Asked Questions
Camp Grove State Bank has a Bank Health Score of A (92/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.10%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Camp Grove State Bank's Tier 1 capital ratio of 18.10% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Camp Grove State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10471). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Camp Grove State Bank holds $63M in total assets and $50M in total deposits. It is headquartered in Camp Grove, Illinois (FDIC Certificate #10471).
Camp Grove State Bank has a Tier 1 capital ratio of 18.10%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is -0.05%.
Yes. Camp Grove State Bank is FDIC-insured (Certificate #10471). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Camp Grove State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.