Is State Bank of Geneva Safe?
State Bank of Geneva has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (63/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.60% | 100/100 |
| Nonperforming Loan Ratio | 0.15% | 97/100 |
| Liquidity Ratio | 34.65% | 100/100 |
| Return on Assets | 1.08% | 63/100 |
| Total Assets | $0.1B | |
How does State Bank of Geneva compare?
With a Bank Health Score of 95/100, State Bank of Geneva sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, State Bank of Geneva ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 19.60% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.15% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, State Bank of Geneva's Bank Health Score improved by 8.0 points to 95/100. Tier 1 capital weakened by 0.35 percentage points to 19.60%.
State Bank of Geneva has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (63/100).