State Bank of Bement
Bement, Illinois · FDIC Cert #10855
This is the FDIC profile for State Bank of Bement, an FDIC-insured bank (Certificate #10855) with $175M in total assets and $148M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Bement, Illinois, the bank maintains a Tier 1 capital ratio of 10.22% (Well-Capitalized) and a nonperforming loan ratio of 2.20%. BankHealthData assigns a composite Health Grade of B (69/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Bement (FDIC cert 10855) is a community bank — $175M in total assets, $148M in deposits, serving the Bement, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.22% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.20% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 36.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.86% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. State Bank of Bement carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: State Bank of Bement
- Total Assets
- $175M
- Total Deposits
- $148M
- Tier 1 Capital Ratio
- 10.22%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.20%
- Liquidity Ratio
- 36.87%
- Return on Assets
- 0.86%
- Headquarters
- Bement, Illinois
- FDIC Certificate
- #10855
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of Bement files quarterly Call Reports with the FDIC under Certificate #10855. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track State Bank of Bement
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, State Bank of Bement holds a Tier 1 capital ratio of 10.22%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Bement has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Bement shows strong financial health indicators. With $175M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How State Bank of Bement Compares
State Bank of Bement’s Health Score of 69 is 12 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 10.22% Tier 1 capital ratio is 3.8 points below the US banking industry average near 14%. The 2.20% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.86% is below the national ROA benchmark of ~1.1%. Among 1463 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, State Bank of Bement is 11 points below the portfolio average of 80.
Frequently Asked Questions
State Bank of Bement has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.22%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. State Bank of Bement's Tier 1 capital ratio of 10.22% and nonperforming loan ratio of 2.20% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at State Bank of Bement is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10855). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
State Bank of Bement holds $175M in total assets and $148M in total deposits. It is headquartered in Bement, Illinois (FDIC Certificate #10855).
State Bank of Bement's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #10855 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
State Bank of Bement has a Tier 1 capital ratio of 10.22%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.20%, and the return on assets is 0.86%.
Yes. State Bank of Bement is FDIC-insured (Certificate #10855). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of Bement's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.