STATE BANK OF HERSCHER
HERSCHER, ILLINOIS · FDIC Cert #11671
Capital & Safety Analysis
According to FDIC financial data, STATE BANK OF HERSCHER holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject STATE BANK OF HERSCHER to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
STATE BANK OF HERSCHER shows some financial weakness with a Health Score of 47/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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.
Frequently Asked Questions
STATE BANK OF HERSCHER has a Bank Health Score of D (47/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
STATE BANK OF HERSCHER holds $158M in total assets and $139M in total deposits. It is located in HERSCHER, ILLINOIS (FDIC Certificate #11671).
STATE BANK OF HERSCHER has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 2.33%, and the return on assets is 0.93%.
Yes. STATE BANK OF HERSCHER is FDIC-insured (Certificate #11671). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.