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State Bank Of Cherry
Cherry, IL · FDIC Certificate #11686 · Chartered 05/0
Total assets
$137.62M
Total deposits
$105.48M
Total equity
$15.40M
Net loans
$91.89M
Branches (offices)
1
Net income (YTD)
$616.00K
Rank: #3,405 of 4,213 U.S. banks by assets · #236 of 322 in Illinois. Assets changed 0.9% and deposits -2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 7.87% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 11.19% |
| Tier 1 leverage ratio | 11.63% |
| Uninsured deposits (share of deposits) | 16.2% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 1.09% |
| Loans to deposits | 87.1% |
| Real estate loans (share of loans) | 67.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $62.29M | 67.8% | |
| Commercial & industrial | $10.28M | 11.2% | |
| Consumer / individual | $3.20M | 3.5% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $17.37M | 18.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $115.32M | $101.14M | $713.00K | $13.08M |
| Jun 2023 | $124.64M | $110.38M | $826.00K | $13.12M |
| Jun 2024 | $121.68M | $104.44M | $1.02M | $13.84M |
| Jun 2025 | $136.44M | $107.69M | $1.10M | $15.24M |
| Jun 2026 | $137.62M | $105.48M | $616.00K | $15.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $105.48M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $105.48M.
Similar-sized banks
Whitesville State Bank ($137.65M) · The Twin Valley Bank ($137.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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