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The State Bank Of Pearl City
Pearl City, IL · FDIC Certificate #16344 · Chartered 12/0
Total assets
$73.40M
Total deposits
$65.71M
Total equity
$7.42M
Net loans
$31.79M
Branches (offices)
2
Net income (YTD)
$250.00K
Rank: #3,885 of 4,213 U.S. banks by assets · #284 of 322 in Illinois. Assets changed 0.8% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 6.84% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 10.11% |
| Tier 1 leverage ratio | 11.31% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 0.69% |
| Net charge-offs (share of loans) | -0.22% |
| Loans to deposits | 48.4% |
| Real estate loans (share of loans) | 58.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $18.43M | 58.0% | |
| Commercial & industrial | $748.00K | 2.4% | |
| Consumer / individual | $13.15M | 41.4% | |
| Construction & development | $561.00K | 1.8% | |
| Agricultural | $141.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $74.57M | $67.41M | $218.00K | $5.99M |
| Jun 2023 | $77.44M | $71.32M | $213.00K | $5.88M |
| Jun 2024 | $88.03M | $81.47M | $162.00K | $6.28M |
| Jun 2025 | $72.81M | $65.58M | $69.00K | $6.94M |
| Jun 2026 | $73.40M | $65.71M | $250.00K | $7.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $65.71M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $65.71M.
Similar-sized banks
Anchor State Bank ($73.46M) · Farmers State Bank Of Trimont ($73.12M)
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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