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Broadway And North Street
Kampsville, IL 62053

Bank of Kampsville is headquartered in Kampsville and is the 318st largest bank in the state of Illinois. It is also the 4,630th largest bank in the nation. It was established in 1908 and as of December of 2013, it had grown to 26 employees at 4 locations. Bank of Kampsville has a A health rating.

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you must be physically present at the bank to open an account-cannot be opened by mail


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of Kampsville had $326,000 in non-current loans and owned real-estate with $15.55 million in equity and loan loss allowances on hand to cover it. This gives Bank of Kampsville a Texas Ratio of 2.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Kampsville experienced no significant changes from 1.74% as of December 31, 2012 to 2.10% as of December 31, 2013, resulting in a negative change of 20.15%. This indicates that the balance sheet and financial strength for Bank of Kampsville has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Kampsville has decreased its total deposits by -$2.17 million, resulting in -2.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Kampsville has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Kampsville has $104.99 million in assets with $15.55 million in equity, resulting in a capitalization level of 14.81%, which is excellent.

Institution Statistics

FDIC Certificate #11750
Year Established1908
Primary RegulatorFDIC
Assets and Liabilities
Assets$104.99 million
Loans$54.74 million
Deposits$89.75 million
Equity Capital$15.11 million
Loan Loss Allowance$445,000
Unbacked Noncurrent Loans$173,000
Real Estate Owned$153,000
Historic Data - December 2012
Assets$107.68 million
Equity Capital$15.22 million
Loan Loss Allowance$487,000
Unbacked Noncurrent Loans$173,000
Real Estate Owned$83,000
Profit Margin - Quarterly
Net Interest Margin3.07%
Return on Assets0.8%
Return on Equity5.7%
Interest Income$3.87 million

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Bank of Kampsville Locations
Brussels Banking Facility169 E Main StreetBrussels, IL 62013
Pleasant Hill Facility301 South Main StreetPleasant Hill, IL 62366
Bank Of KampsvilleBroadway and North StreetKampsville, IL 62053
Hardin BranchFrench and Park StreetsHardin, IL 62047