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Raritan State Bank

Raritan, IL · Est. 1920 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Raritan State Bank is a bank based in Raritan, Illinois, established in 1920, with $255 million in total assets across 3 branches. By Trust Grade it ranks 4th of 328 banks we track in Illinois. Its capital ratio of 11.0% is stronger than 63% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 0.98% return on assets. No consumer complaints against Raritan State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$255.4M
$100M–1B institution
Deposits
$225.3M
Branches
3
Capital ratio
11.0%
Top 37% of $100M–1B peers · Illinois median 10.3%
Return on assets
1.0%
Bottom 36% of $100M–1B peers · Illinois median 1.1%
Rank in Illinois
#4
of 328 banks

How Raritan State Bank compares to Illinois peers

Capital ratio
Top 37% of $100M–1B peers
Raritan State
11.0%
Illinois median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 36% of $100M–1B peers
Raritan State
1.0%
Illinois median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Raritan State Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (11.0% capital ratio)
  • Profitable (ROA 0.98%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Raritan State Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 805 N Monroe St, Abingdon, IL 61410
  • 360 Green St, Bushnell, IL 61422
  • 106 E Main St, Raritan, IL 61471

Are deposits at Raritan State Bank insured?

Yes. Raritan State Bank is an FDIC-insured bank (FDIC certificate #10438). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Raritan State Bank: frequently asked questions

Is Raritan State Bank a good bank?

Raritan State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.0% capital ratio); Profitable (ROA 0.98%).

Is Raritan State Bank FDIC-insured?

Yes. Raritan State Bank is a FDIC-insured bank (FDIC certificate #10438). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Raritan State Bank?

Raritan State Bank holds $255 million in total assets, ranking 4th of 328 banks we track in Illinois. It operates 3 branches.

Does Raritan State Bank have CFPB complaints?

No CFPB complaints against Raritan State Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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