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The State Bank Of Geneva
Geneva, IL · FDIC Certificate #925 · Chartered 01/0
Total assets
$116.16M
Total deposits
$102.89M
Total equity
$12.89M
Net loans
$79.34M
Branches (offices)
1
Net income (YTD)
$412.00K
Rank: #3,558 of 4,213 U.S. banks by assets · #254 of 322 in Illinois. Assets changed -3.5% and deposits -1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 6.44% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 11.10% |
| Tier 1 leverage ratio | 11.81% |
| Uninsured deposits (share of deposits) | 15.9% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.1% |
| Real estate loans (share of loans) | 90.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $71.43M | 90.0% | |
| Commercial & industrial | $5.75M | 7.2% | |
| Consumer / individual | $3.73M | 4.7% | |
| Construction & development | $45.00K | 0.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $108.91M | $100.30M | $512.00K | $8.37M |
| Jun 2023 | $107.73M | $95.18M | $626.00K | $9.25M |
| Jun 2024 | $107.65M | $93.37M | $581.00K | $10.92M |
| Jun 2025 | $120.38M | $104.84M | $291.00K | $12.15M |
| Jun 2026 | $116.16M | $102.89M | $412.00K | $12.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $102.89M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $102.89M.
Similar-sized banks
Portage Bank ($116.19M) · Peoples Bank Of Graceville ($115.78M)
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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