Heritage State Bank (IL)

Overview / Commentary
(618) 943 - 103
2201 James Street
Lawrenceville, IL 62439

Heritage State Bank (IL) is headquartered in Lawrenceville and is the 319th largest bank in the state of Illinois. It is also the 4,308th largest bank in the nation. It was established in 1899 and as of September of 2020, it had grown to 11 employees at 3 locations. Heritage State Bank (IL) has a C+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Heritage State Bank (IL) has a relatively low asset base.

Health Grade Components

FDIC Certificate #29224
Year Established1899
Primary RegulatorFED
Profit Margin
Return on Assets - YTD-0.35%
Return on Equity - YTD-2.98%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$79.2MM$82.2MM
LoansQ3 2020vs Q3 2019$58.3MM$68.6MM
DepositsQ3 2020vs Q3 2019$70.0MM$72.2MM
Equity CapitalQ3 2020vs Q3 2019$9.2MM$9.9MM
Loan Loss AllowanceQ3 2020vs Q3 2019$1.2MM$2.0MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$4.5MM$3.5MM
Real Estate OwnedQ3 2020vs Q3 2019$0$1.3MM

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Heritage State Bank (IL) Locations
Haubstadt Branch101 State Road 68Haubstadt, IN 47639
Hart Street Branch1231 Hart StreetVincennes, IN 47591
Heritage State Bank2201 James StreetLawrenceville, IL 62439

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