State Bank of Herscher
Herscher, Illinois · FDIC Cert #11671
This is the FDIC profile for State Bank of Herscher, an FDIC-insured bank (Certificate #11671) with $158M in total assets and $139M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Herscher, Illinois, the bank maintains a Tier 1 capital ratio of 13.03% (Well-Capitalized) and a nonperforming loan ratio of 2.33%. BankHealthData assigns a composite Health Grade of B (76/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Herscher (FDIC cert 11671) is a community bank — $158M in total assets, $139M in deposits, serving the Herscher, 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 strong: Tier 1 capital ratio of 13.03% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.33% 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 very high: 46.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.93% 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 improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. State Bank of Herscher carries a composite BankHealth grade of B (76/100) 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 Herscher
- Total Assets
- $158M
- Total Deposits
- $139M
- Tier 1 Capital Ratio
- 13.03%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.33%
- Liquidity Ratio
- 46.51%
- Return on Assets
- 0.93%
- Headquarters
- Herscher, Illinois
- FDIC Certificate
- #11671
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of Herscher files quarterly Call Reports with the FDIC under Certificate #11671. 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.
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Capital & Safety Analysis
According to FDIC financial data, State Bank of Herscher holds a Tier 1 capital ratio of 13.03%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Herscher has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Herscher shows strong financial health indicators. With $158M in assets and a Health Score of 76/100, 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 Herscher Compares
State Bank of Herscher’s Health Score of 76 is 5 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 13.03% Tier 1 capital ratio is 1.0 points below the US banking industry average near 14%. The 2.33% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.93% is below the national ROA benchmark of ~1.1%. Among 1405 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, State Bank of Herscher is 4 points below the portfolio average of 80.
Frequently Asked Questions
State Bank of Herscher has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.03%, 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 Herscher's Tier 1 capital ratio of 13.03% and nonperforming loan ratio of 2.33% 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 Herscher is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11671). 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 Herscher holds $158M in total assets and $139M in total deposits. It is headquartered in Herscher, Illinois (FDIC Certificate #11671).
State Bank of Herscher's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #11671 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 Herscher has a Tier 1 capital ratio of 13.03%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — 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 Herscher'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.